Affirm — Consumer Response Profile

How this company responds to consumer inquiries (CFPB data) • Period: 2023-present • Last verified: 2026-03-22

Resolution Rate
100.0%

Consumer inquiries resolved successfully

Timely Response
99.9%

Responded within 15-day window

Total Interactions
13,011

Consumer interactions on record

Services Used by Consumers

Credit reporting or other personal consumer reports 36.5%
Debt collection 26.7%
Payday loan, title loan, personal loan, or advance loan 15.6%
Credit reporting, credit repair services, or other personal consumer reports 8.6%
Credit card 4.8%

Consumer Feedback Categories

Incorrect information on your report 26.6%
Attempts to collect debt not owed 12.7%
Improper use of your report 10.0%
Problem with a company's investigation into an existing problem 9.0%
Took or threatened to take negative or legal action 7.3%

Response Breakdown

Closed with explanation 13004 (99.9%)
In progress 6 (0.0%)
Closed with monetary relief 1 (0.0%)

Understanding This Data

The Consumer Financial Protection Bureau (CFPB) tracks how financial companies respond to consumer inquiries. This profile shows Affirm's responsiveness and resolution track record.

  • Resolution Rate — How often the company resolves consumer inquiries with a satisfactory outcome (monetary or non-monetary relief).
  • Timely Response Rate — How consistently the company responds within the required 15-day window — a sign of operational responsiveness.
  • Services Used — Which product categories consumers interact with most frequently.
  • Feedback Categories — The types of inquiries consumers submit most often.

Higher resolution and timely response rates indicate strong consumer service operations. Volume of interactions is not a quality indicator — larger, more established companies naturally handle more consumer inquiries.

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