Credit bureau · complaint record
Affirm complaints
Filed under Affirm Holdings, Inc
Consumers have filed 18,820 complaints about Affirm since 2021, 8,431 of them in the last 12 months (+72% on the year before). It answered 99.9% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 6th most complained-about of 566 credit bureaus & report companies this year.
Weak response record. How it works
- Complaints on record
- 18,820
- Last 12 months
- 8,431
- Answered on time
- 99.9%
- Closed with relief
- 0%
- Last 30 days
- 470
- Rank
- #6 of 566
Since February 2021
+72% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 4, 2026
Most complained-about credit bureaus & report companies
Affirm complaints by month
The busiest month was October 2026 (920 complaints). Complaints in the last 12 months are up 72% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Affirm answered last 12 months
- Closed with explanation8,39299.5%
- In progress390.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/4599.9% on time
- Relief for customers0/400% closed with relief
- Complaint trend3/15+72% vs last year
What Affirm complaints are about
Top Affirm problems last 12 months
Inside "Incorrect information on your report"
- Information belongs to someone else 1,635
- Account information incorrect 1,446
- Account status incorrect 1,370
- Old information reappears or never goes away 79
- Personal information incorrect 66
- Information is missing that should be on the report 52
Where Affirm complaints come from
Most complaints: California (2,156), Texas (2,133), Florida (2,084), Georgia (1,332), New York (1,107).
Affirm compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | AffirmCredit reporting | 48 | 8,431 | D |
| 2 | FIS (Fidelity National Information Services)Credit reporting | 51 | 7,698 | C |
| 3 | TD BankCredit reporting | 68 | 6,183 | B |
| 4 | Ally FinancialCredit reporting | 59 | 6,013 | C |
| 5 | Early Warning Services (Zelle)Credit reporting | 60 | 5,912 | C |
| 6 | Self FinancialCredit reporting | 49 | 4,913 | D |
| 7 | OneMain FinancialCredit reporting | 57 | 3,861 | C |
| 8 | KikoffCredit reporting | 50 | 3,534 | C |
Compare side by side: Affirm vs FIS · Affirm vs TD Bank · Affirm vs Ally Financial · Affirm vs Early Warning Services
What people say about Affirm
All experiencesNo experiences with Affirm yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Affirm complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 4, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 2, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 2, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 1, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 31, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 31, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Oct 31, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 31, 2026 | Payday & personal loans | Problem when making payments | In progress |
| Oct 31, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 31, 2026 | Payday & personal loans | Problem when making payments | Explained |
Questions about Affirm
How many complaints does Affirm have?
Affirm has 18,820 complaints on record since February 2021, including 8,431 in the last 12 months and 470 in the last 30 days. That makes it number 25 of every company by complaints this year.
Does Affirm respond to complaints?
Yes. Affirm answered 99.9% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 48/100 (grade D).
What do people complain about most with Affirm?
The most common problems are incorrect information on your report (4,692), attempts to collect debt not owed (2,581), took or threatened to take negative or legal action (1,472).
Is Affirm legit?
Affirm is a real company with a public complaint record: consumers have complained about it 18,820 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Affirm legit? for the signals, red flags and how to protect yourself.
Are complaints about Affirm going up or down?
Up. There were 8,431 complaints in the last 12 months against 4,889 in the 12 before (+72%). See every month.
How do I file a complaint against Affirm?
Complain to Affirm in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Affirm complaints come from?
Most come from California (2,156), Texas (2,133), Florida (2,084). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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