CFPB Consumer Complaint Profile
Essential Lending Inc
Behind the 180 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
- 180
- Total complaints
- Mid-range
- 89
- Last 12 months
- 88.9%
- Timely response
- Bottom quartile
- 17
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Essential Lending Inc has accumulated 180 complaints, placing it #1002 by volume. It posts a 88.9% on-time response rate, the 16th percentile among companies with 100+ complaints.
- #1002
- of 3,843 companies by volume
- 88.9%
- on time (16th pctile)
- Credit reporting or …
- most-complained product
- 17
- 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.
Essential Lending Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
88.9% Among the lowest higher than 16% 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 24 in 2024 to 76 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 |
|---|---|
| 2016 | 1 |
| 2017 | 4 |
| 2018 | 4 |
| 2019 | 1 |
| 2020 | 4 |
| 2021 | 11 |
| 2022 | 14 |
| 2023 | 20 |
| 2024 | 24 |
| 2025 | 76 |
| 2026year in progress | 21 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Essential Lending Inc
Essential Lending Inc carries 180 complaints in the CFPB's database, 89 of them filed within the past 12 months. Consumers spanning 17 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Essential Lending Inc posts a 88.9% reply rate on forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 4.4% closed with some form of monetary or non-monetary relief to the consumer.
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 Essential Lending Inc have?
180 complaints have been filed against Essential Lending Inc with the CFPB overall - 89 of them in the past year.
Does Essential Lending Inc respond to complaints on time?
CFPB complaints against Essential Lending Inc draw a 88.9% timely-response rate inside the expected window.
What product generates the most complaints for Essential Lending Inc?
The most complained-about product for Essential Lending Inc is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Essential Lending Inc?
The most common issue reported by consumers about Essential Lending Inc is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Essential Lending Inc?
You can file a complaint against Essential Lending 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 Essential Lending Inc?
Essential Lending Inc has drawn CFPB complaints from 17 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 Essential Lending 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 (0% here).
Also handles Credit reporting or other personal consumer reports
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.