CFPB Consumer Complaint Profile
Enova International, Inc.
Consumers have filed 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
- 5,245
- Total complaints
- Among the highest
- 1,150
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 52
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Enova International, Inc. sits at #103. On response speed it sits at the 79th percentile among companies with 100+ complaints.
- Credit reporting or …
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Enova International, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% 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 711 in 2024 to 1,193 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 78 |
| 2014 | 597 |
| 2015 | 231 |
| 2016 | 179 |
| 2017 | 162 |
| 2018 | 241 |
| 2019 | 207 |
| 2020 | 259 |
| 2021 | 328 |
| 2022 | 346 |
| 2023 | 471 |
| 2024 | 711 |
| 2025 | 1,193 |
| 2026year in progress | 242 |
Complaints by State (Top 15)
Company Responses
Enova International, Inc. Complaint Concentration Profile
Enova International, Inc.'s complaint volume is large enough to measure concentration - not just the headline totals. Across 58 named product lines in the stored breakdown, the leading three (Credit reporting or other personal consumer reports, Debt collection, Payday loan) hold a 33.5% share of product-tagged complaints. The Herfindahl index on that product mix is 0.078 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Charged fees or interest you didn't expect, Incorrect information on your report, Attempts to collect debt not owed) cover a 45.5% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, California, Florida) hold a 27.7% share of state-tagged volume across 52 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 99.1% share among the 5,245 response-tagged complaints (5,200 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (1,193 complaints); the lightest year on file was 2013 (78). From 2024 to 2025, annual volume rose 67.8% (711 → 1,193). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Enova International, Inc.
In the CFPB record, Enova International, Inc. has a nationwide complaint footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Inside that category, "Charged fees or interest you didn't expect" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Enova International, 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 complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (14% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Enova International, Inc. have?
Enova International, Inc. has 5,245 total consumer complaints filed with the CFPB, with 1,150 filed in the last 12 months.
Does Enova International, Inc. respond to complaints on time?
CFPB complaints against Enova International, Inc. draw a 99.8% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Enova International, Inc.?
Among all products tied to Enova International, Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Enova International, Inc.?
The most common issue reported by consumers about Enova International, Inc. is "Charged fees or interest you didn't expect." All complaint issues are listed above with their counts.
How do I file a complaint against Enova International, Inc.?
You can file a complaint against Enova International, 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 Enova International, Inc.?
Consumers in 52 states and territories have filed complaints about Enova International, Inc. 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.