CFPB Consumer Complaint Profile
Flexible Finance, Inc.
185 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 185
- Total complaints
- Mid-range
- 84
- Last 12 months
- 99.5%
- Timely response
- Above median
- 32
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Flexible Finance, Inc. sits at #982, with 185 complaints logged. On-time replies land at 99.5%, the 72nd percentile for the 100+ complaint peer group.
- #982
- of 3,843 companies by volume
- 99.5%
- on time (72nd pctile)
- Credit reporting or …
- most-complained product
- 32
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Flexible Finance, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.5% Higher than most higher than 72% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 38 in 2024 to 68 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 11 |
| 2023 | 44 |
| 2024 | 38 |
| 2025 | 68 |
| 2026year in progress | 24 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Flexible Finance, Inc.
185 complaints against Flexible Finance, Inc. appear in the CFPB record, including 84 from the trailing year. The 32 states and territories represented put this footprint in multi-regional territory. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Flexible Finance, Inc.'s timely response rate stands at 99.5%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, the consumer-relief closure rate is 4.3%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Flexible Finance, Inc. have?
185 complaints have been filed against Flexible Finance, Inc. with the CFPB overall - 84 of them in the past year.
Does Flexible Finance, Inc. respond to complaints on time?
Flexible Finance, Inc.'s CFPB timely-response rate is 99.5%. This is considered excellent.
What product generates the most complaints for Flexible Finance, Inc.?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Flexible Finance, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Flexible Finance, Inc.?
The most common issue reported by consumers about Flexible Finance, Inc. is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Flexible Finance, Inc.?
You can file a complaint against Flexible Finance, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Flexible Finance, Inc.?
Flexible Finance, Inc. has drawn CFPB complaints from 32 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.