Earnest Inc.
293 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Earnest Inc.
Earnest Inc.'s 293 logged complaints stay concentrated: only 37 states show a filing on record. 53.9% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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..
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.
Frequently Asked Questions
How many CFPB complaints does Earnest Inc. have?
293, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Earnest Inc. respond to complaints on time?
98.3% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Earnest Inc.?
"Dealing with your lender or servicer", filed under the "Student loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.