Essential Lending Inc
229 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.
Essential Lending Inc complaint mix by product
- Debt collection 87 38.2% – 1% relief
- Credit reporting 56 24.6% – 0% relief
- Payday loan, 45 19.7% – 0% relief
- Payday loan, 19 8.3% – 11% relief
- Credit reporting, 17 7.5% – 12% relief
- Payday loan 2 0.9% – 100% relief
- Checking or 2 0.9% – 50% relief
How Essential Lending Inc's 229 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 87 |
| Credit reporting or other personal consumer reports | 56 |
| Payday loan, title loan, personal loan, or advance loan | 45 |
| Payday loan, title loan, or personal loan | 19 |
| Credit reporting, credit repair services, or other personal consumer reports | 17 |
| Payday loan | 2 |
| Checking or savings account | 2 |
| Credit card or prepaid card | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 153 |
| LA | 15 |
| SC | 14 |
| MO | 12 |
| MS | 5 |
| WI | 4 |
| NM | 4 |
| DC | 3 |
| CA | 3 |
| DE | 3 |
| UT | 2 |
| PA | 2 |
| NC | 2 |
| NJ | 1 |
| VA | 1 |
| IN | 1 |
| GA | 1 |
| FL | 1 |
| AR | 1 |
| ID | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 46 |
| Took or threatened to take negative or legal action | 40 |
| Attempts to collect debt not owed | 24 |
| Improper use of your report | 14 |
| Problem with a company's investigation into an existing problem | 13 |
| Charged fees or interest you didn't expect | 13 |
| False statements or representation | 11 |
| Problem with the payoff process at the end of the loan | 11 |
| Communication tactics | 7 |
| Getting the loan | 7 |
| Problem when making payments | 6 |
| Problem with a credit reporting company's investigation into an existing problem | 6 |
| Can't contact lender or servicer | 5 |
| Received a loan you didn't apply for | 4 |
| Struggling to pay your loan | 4 |
| Threatened to contact someone or share information improperly | 3 |
| Problem with fraud alerts or security freezes | 2 |
| Was approved for a loan, but didn't receive the money | 2 |
| Written notification about debt | 2 |
| Loan payment wasn't credited to your account | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 1 | 100% |
| 2017 | 4 | 75% |
| 2018 | 4 | 100% |
| 2019 | 1 | 100% |
| 2020 | 4 | 100% |
| 2021 | 11 | 100% |
| 2022 | 14 | 100% |
| 2023 | 20 | 100% |
| 2024 | 24 | 100% |
| 2025 | 77 | 88.3% |
| 2026 | 69 | 33.3% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Essential Lending Inc
Essential Lending Inc's 229 logged complaints stay concentrated: only 20 states show a filing on record. Only 38% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2016 through 2026-06-23.
Essential Lending Inc answers 75.5% of complaints inside the CFPB's tracked window and closes 94.8% with a written explanation. 3.5% 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 "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 Essential Lending 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 Essential Lending Inc have?
229, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Essential Lending Inc respond to complaints on time?
75.5% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Essential Lending Inc?
"Incorrect information on your report", filed under the "Debt collection" 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.