CFPB · Mid-pack CFPB posture
Essential Lending Inc
229 CFPB complaints · 20 states · top issue Incorrect information on your report.
Essential Lending Inc has 229 consumer complaints in the CFPB public database. Timely response is 75.5%; 3.5% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +6800% filings 2016 to 2026
CFPB relief outcome brief
CCDB company essential-lending-inc
3.5% relief · 75.5% timely · 229 filings · Debt collection
Same-product relief peers
Nearest relief peer: United Revenue Corporation (3.5% relief)
Essential Lending Inc closes 3.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 229 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
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 |
Concentrated filing states for Essential Lending Inc
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 66.8% of this company's filings
Essential Lending Inc rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 69
- +6800% vs 2016
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
What the CFPB record shows about Essential Lending Inc
Essential Lending Inc's 229 logged complaints stay concentrated: only 20 states show a filing. Only 38% of filings carry a written consumer narrative, so most of this record is coded categories rather than 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Essential Lending 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: 229.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 75.5%.
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 Essential Lending Inc (75.5% timely; 3.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture