CFPB Consumer Complaint Profile
Earnest Inc.
Consumers have filed 275 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 275
- Total complaints
- Above average
- 62
- Last 12 months
- 98.2%
- Timely response
- Above median
- 37
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Earnest Inc. has accumulated 275 complaints, placing it #743 by volume. It posts a 98.2% on-time response rate, the 50th percentile among companies with 100+ complaints.
- #743
- of 3,843 companies by volume
- 98.2%
- on time (50th pctile)
- Student loan
- most-complained product
- 37
- 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.
Earnest Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.2% Higher than most higher than 50% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 68 in 2024 to 52 in 2025 (2024 → 2025).
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 |
|---|---|
| 2015 | 2 |
| 2016 | 6 |
| 2017 | 11 |
| 2018 | 16 |
| 2019 | 19 |
| 2020 | 15 |
| 2021 | 22 |
| 2022 | 19 |
| 2023 | 25 |
| 2024 | 68 |
| 2025 | 52 |
| 2026year in progress | 20 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Earnest Inc.
275 complaints against Earnest Inc. appear in the CFPB record, including 62 from the trailing year. The 37 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Student loan," which sits at the top of the product breakdown. Inside that category, "Dealing with your lender or servicer" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Earnest Inc. draw a 98.2% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response at a 15.4% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 2.2%.
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 Earnest Inc. have?
The CFPB has logged 275 complaints against Earnest Inc. to date, of which 62 came in over the last 12 months.
Does Earnest Inc. respond to complaints on time?
Earnest Inc. has a 98.2% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Earnest Inc.?
The most complained-about product for Earnest Inc. is "Student loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Earnest Inc.?
"Dealing with your lender or servicer" is the single most frequently cited issue in complaints against Earnest Inc. - see all issues and counts above.
How do I file a complaint against Earnest Inc.?
You can file a complaint against Earnest Inc. 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 Earnest Inc.?
Earnest Inc. has drawn CFPB complaints from 37 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Earnest Inc.: 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 (15.4% here).
Also handles Student loan
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.