CFPB Consumer Complaint Profile
Earm LLC
Behind the 59 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 59
- Total complaints
- Mid-range
- 1
- Last 12 months
- 5.1%
- Timely response
- Bottom decile
- 26
- States affected
The verdict
59 CFPB complaints put Earm LLC at #1690 out of 3,843 financial companies ranked by complaint volume. It posts a 5.1% on-time response rate, the 0th percentile among companies with 100+ complaints.
- #1690
- of 3,843 companies by volume
- 5.1%
- on time (0th pctile)
- Debt collection
- most-complained product
- 26
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Earm LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
5.1% Among the lowest in the bottom 1% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 3 |
| 2015 | 12 |
| 2016 | 1 |
| 2019 | 2 |
| 2020 | 1 |
| 2021 | 26 |
| 2022 | 8 |
| 2023 | 5 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Earm LLC
The CFPB Consumer Complaint Database has logged 59 complaints against Earm LLC overall, with 1 of those filed in the trailing 12 months. Reports have come from consumers in 26 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Took or threatened to take negative or legal action," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Earm LLC draw a 5.1% reply rate inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Earm LLC have?
Earm LLC has 59 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does Earm LLC respond to complaints on time?
Earm LLC's CFPB timely-response rate is 5.1%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Earm LLC?
"Debt collection" draws more CFPB complaints against Earm LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Earm LLC?
The most common issue reported by consumers about Earm LLC is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Earm LLC?
You can file a complaint against Earm LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Earm LLC?
Consumers in 26 states and territories have filed complaints about Earm LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Earm LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.