CFPB complaint record

Affirm Holdings, Inc

15,278

CFPB complaints filed

99.9%

responded on time

Read this number carefully. Complaint volume largely reflects a company's size and product mix — the biggest firms and the credit bureaus get the most simply because they serve the most people (credit-report disputes are the most common complaint of all). It is not a quality ranking, and there's no size denominator here to compare fairly.

What people complain about

The CFPB products and issues these complaints concern (this company's own mix).

Credit reporting or other personal consumer reports 5,572

Debt collection 4,226

Payday loan, title loan, personal loan, or advance loan 2,560

Most-cited issues: Incorrect information on your report · Attempts to collect debt not owed · Problem with a company's investigation into an existing problem · Improper use of your report

What these figures mean

RECORDED — the complaint count, the product/issue breakdown, and the timely-response rate are CFPB records of complaints consumers filed.
CONTEXT — "responded on time" means the company answered within CFPB's window, not that the consumer was satisfied. The count is not a quality score.

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What this is — and is not

A CFPB complaint is an unverified consumer allegation — not a finding, not proven wrongdoing, and not a verdict by the CFPB or anyone else. The count is not a quality ranking (it tracks size and product mix). This is not advice about doing business with Affirm Holdings, Inc, and not legal advice. Read the actual complaints and how they were handled — and file your own — at the CFPB Consumer Complaint Database.