CFPB · Diversified product mix

Flexible Finance, Inc.

218 CFPB complaints · diversified mix (top product 24.3%) · top issue Incorrect information on your report.

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218 CFPB complaints

Flexible Finance, Inc.: top product "Credit reporting or other personal consumer reports" is only 24.3% of 218 - multi-bucket mix. Timely 99.5% · relief 3.7%. Allegations, not findings.

  • Diversified product mix
  • +418.2% filings 2022 to 2026

CFPB relief outcome brief

CCDB company flexible-finance-inc

3.7% relief · 99.5% timely · 218 filings · Credit reporting or other personal consumer reports

Same-product relief peers

Nearest relief peer: Southern Auto Finance Co (3.7% relief)

Flexible Finance, Inc. (this)3.7%Frederick J. Hanna & Associa…6.9%Alliance Collection Agencies…1.4%Congress Collection Corp0%Stillman, P.C. d.b.a. Stillm…1.4%
Closed-with-relief % among Flexible Finance, Inc. and nearest filing-volume peers

Flexible Finance, Inc. closes 3.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

Most of Flexible Finance, Inc.'s 218 filings include narrative text

45.9% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.

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Timely response rate 99.5%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 3.7%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

Flexible Finance, Inc. complaint mix by product

Total complaints: 218

Flexible Finance, Inc. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 218 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Credit reporting: 53 complaints (26.0%), resolution 1.9% Credit reporting 26.0% Debt collection: 38 complaints (18.6%), resolution 5.3% Debt collection 18.6% Payday loan,: 37 complaints (18.1%), resolution 2.7% Payday loan, 18.1% Money transfer,: 31 complaints (15.2%), resolution 0.0% Money transfer, 15.2% Credit reporting,: 20 complaints (9.8%), resolution 10.0% Credit reporting, 9.8% Checking or: 13 complaints (6.4%), resolution 0.0% Checking or 6.4% Payday loan,: 12 complaints (5.9%), resolution 16.7%
  • Credit reporting 53 26.0% – 2% relief
  • Debt collection 38 18.6% – 5% relief
  • Payday loan, 37 18.1% – 3% relief
  • Money transfer, 31 15.2% – 0% relief
  • Credit reporting, 20 9.8% – 10% relief
  • Checking or 13 6.4% – 0% relief
  • Payday loan, 12 5.9% – 17% relief

How Flexible Finance, Inc.'s 218 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Credit reporting or other personal consumer reports 53
Debt collection 38
Payday loan, title loan, personal loan, or advance loan 37
Money transfer, virtual currency, or money service 31
Credit reporting, credit repair services, or other personal consumer reports 20
Checking or savings account 13
Payday loan, title loan, or personal loan 12
Debt or credit management 7
Credit card 5
Credit card or prepaid card 1
Mortgage 1

Where Flexible Finance, Inc. complaints are filed

Top states by attributed CFPB complaint volume for this company

Concentrated footprint
Leading state
TX
29.4% of this company's filings
TX64GA29FL24MI11NC11CA9AL7OH6

Flexible Finance, Inc. rising annual filings

Annual filing volume from the CFPB public database

Rising vs first year
2026
57
+418.2% vs 2022
020406080 20222023202420252026 57

Top States

State Complaints
TX 64
GA 29
FL 24
MI 11
NC 11
CA 9
AL 7
OH 6
CO 5
MD 5
AZ 5
OR 4
VA 4
UT 4
NV 4
IL 3
TN 3
PA 2
KY 2
NH 2

Top Issues

Issue Complaints
Incorrect information on your report 38
Attempts to collect debt not owed 17
Improper use of your report 17
Problem when making payments 12
Problem with a company's investigation into an existing problem 10
Problem with a lender or other company charging your account 9
Getting a line of credit 8
Problem with a company's investigation into an existing issue 8
Other transaction problem 8
Took or threatened to take negative or legal action 7
Written notification about debt 6
Getting the loan 5
Problem with a credit reporting company's investigation into an existing problem 5
False statements or representation 5
Other service problem 5
Charged fees or interest you didn't expect 5
Confusing or misleading advertising or marketing 4
Unauthorized transactions or other transaction problem 4
Managing an account 3
Problem with the payoff process at the end of the loan 3

Yearly Trend

Year Complaints Timely
2022 11 100%
2023 44 97.7%
2024 38 100%
2025 68 100%
2026 57 100%

Source: CFPB Consumer Complaint Database

Flexible Finance, Inc. spreads across product buckets

Flexible Finance, Inc.'s 218 logged complaints stay concentrated: only 32 states show a filing. 45.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2022 through 2026-06-25.

Flexible Finance, Inc. answers 99.5% of complaints inside the CFPB's tracked window and closes 95.4% with a written explanation. 3.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."

A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Flexible Finance, Inc..

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for Flexible Finance, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest companies by total CFPB complaints. This record: 218.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 99.5%.

4 peers

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Data sourced from official public datasets for Flexible Finance, Inc. (99.5% timely; 3.7% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix