CFPB · Single-product concentration
Earnest Inc.
293 CFPB complaints · 81.6% in "Student loan" · top issue Dealing with your lender or servicer.
Earnest Inc.: 81.6% of 293 CFPB complaints sit in "Student loan". Timely 98.3% · relief 2%. Allegations, not findings.
- Single-product concentration
- +1800% filings 2015 to 2026
CFPB relief outcome brief
CCDB company earnest-inc
2% relief · 98.3% timely · 293 filings · Student loan
Same-product relief peers
Nearest relief peer: Ascent Holding Co (2.1% relief)
Earnest Inc. closes 2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Earnest Inc.'s 293 filings include narrative text
53.9% 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.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Earnest Inc. complaint mix by product
- Student loan 239 82.4% – 2% relief
- Credit reporting 25 8.6% – 0% relief
- Credit reporting, 11 3.8% – 0% relief
- Debt collection 7 2.4% – 0% relief
- Payday loan, 6 2.1% – 17% relief
- Credit card 1 0.3% – 0% relief
- Payday loan, 1 0.3% – 0% relief
How Earnest Inc.'s 293 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Student loan | 239 |
| Credit reporting or other personal consumer reports | 25 |
| Credit reporting, credit repair services, or other personal consumer reports | 11 |
| Debt collection | 7 |
| Payday loan, title loan, or personal loan | 6 |
| Credit card | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Credit reporting | 1 |
| Consumer Loan | 1 |
| Mortgage | 1 |
Where Earnest Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 12.6% of this company's filings
Earnest Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 38
- +1800% vs 2015
Top States
| State | Complaints |
|---|---|
| CA | 37 |
| NY | 28 |
| FL | 22 |
| TX | 20 |
| PA | 16 |
| IL | 14 |
| NJ | 14 |
| MA | 13 |
| OH | 10 |
| MD | 10 |
| WI | 10 |
| MN | 10 |
| VA | 10 |
| NC | 8 |
| CO | 7 |
| MI | 6 |
| AZ | 6 |
| TN | 6 |
| DC | 6 |
| GA | 5 |
Top Issues
| Issue | Complaints |
|---|---|
| Dealing with your lender or servicer | 159 |
| Struggling to repay your loan | 40 |
| Getting a loan | 33 |
| Improper use of your report | 25 |
| Incorrect information on your report | 10 |
| Getting the loan | 5 |
| Dealing with my lender or servicer | 5 |
| Communication tactics | 4 |
| Problem with a company's investigation into an existing problem | 3 |
| Problem with the payoff process at the end of the loan | 2 |
| Issue with income share agreement | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Written notification about debt | 1 |
| Took or threatened to take negative or legal action | 1 |
| Improper use of my credit report | 1 |
| Taking out the loan or lease | 1 |
| Trouble during payment process | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 2 | 50% |
| 2016 | 6 | 50% |
| 2017 | 11 | 100% |
| 2018 | 16 | 100% |
| 2019 | 19 | 100% |
| 2020 | 15 | 100% |
| 2021 | 22 | 100% |
| 2022 | 19 | 100% |
| 2023 | 25 | 96% |
| 2024 | 68 | 100% |
| 2025 | 52 | 100% |
| 2026 | 38 | 100% |
Source: CFPB Consumer Complaint Database
Earnest Inc. filings cluster in one product
Earnest Inc.'s 293 logged complaints stay concentrated: only 37 states show a filing. 53.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-05-28.
Earnest Inc. answers 98.3% of complaints inside the CFPB's tracked window and closes 98% with a written explanation. 2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Student loan" draws the most filings, most often for "Dealing with your lender or servicer."
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 Earnest Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Earnest 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: 293.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.3%.
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 Earnest Inc. (98.3% timely; 2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration