CFPB · Single-product concentration
Earm LLC
59 CFPB complaints · 88.1% in "Debt collection" · top issue Took or threatened to take negative or legal action.
Earm LLC: 88.1% of 59 CFPB complaints sit in "Debt collection". Timely 5.1% · relief 0%. Allegations, not findings.
- Single-product concentration
- -66.7% filings 2014 to 2025
CFPB relief outcome brief
CCDB company earm-llc
0% relief · 5.1% timely · 59 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Earm LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Earm LLC's 59 filings include narrative text
71.2% 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.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Earm LLC complaint mix by product
- Debt collection 52 88.1% – 0% relief
- Payday loan, 3 5.1% – 0% relief
- Payday loan 2 3.4% – 0% relief
- Checking or 1 1.7% – 0% relief
- Credit reporting, 1 1.7% – 0% relief
How Earm LLC's 59 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 52 |
| Payday loan, title loan, or personal loan | 3 |
| Payday loan | 2 |
| Checking or savings account | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Where Earm LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 22% of this company's filings
Earm LLC falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 1
- -66.7% vs 2014
Top States
| State | Complaints |
|---|---|
| TX | 13 |
| PA | 5 |
| CA | 4 |
| FL | 4 |
| IL | 3 |
| VA | 3 |
| AL | 2 |
| MD | 2 |
| NC | 2 |
| OR | 2 |
| OH | 2 |
| ID | 2 |
| AK | 1 |
| MS | 1 |
| WI | 1 |
| KY | 1 |
| ME | 1 |
| GA | 1 |
| WA | 1 |
| MO | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 15 |
| Communication tactics | 13 |
| Attempts to collect debt not owed | 9 |
| Cont'd attempts collect debt not owed | 5 |
| Taking/threatening an illegal action | 3 |
| False statements or representation | 3 |
| Can't contact lender or servicer | 3 |
| Disclosure verification of debt | 2 |
| Problem caused by your funds being low | 1 |
| Can't contact lender | 1 |
| Improper contact or sharing of info | 1 |
| Received a loan I didn't apply for | 1 |
| Incorrect information on your report | 1 |
| Threatened to contact someone or share information improperly | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 3 | 100% |
| 2015 | 12 | 0% |
| 2016 | 1 | 0% |
| 2019 | 2 | 0% |
| 2020 | 1 | 0% |
| 2021 | 26 | 0% |
| 2022 | 8 | 0% |
| 2023 | 5 | 0% |
| 2025 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Earm LLC filings cluster in one product
Earm LLC's 59 logged complaints stay concentrated: only 26 states show a filing. 71.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2025-12-23.
Earm LLC answers 5.1% of complaints inside the CFPB's tracked window and closes 6.8% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Took or threatened to take negative or legal action."
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 Earm LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Earm LLC: 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: 59.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 5.1%.
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 Earm LLC (5.1% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration