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Data / Consumer complaints / Earnest Inc.

Earnest Inc.: 185 CFPB consumer complaints in the last 3 years

Earnest Inc. drew 185 consumer complaints in the CFPB database in the three years to November 6, 2026, and 314 since 2015. The largest group, 147, was about student loan, and the most common issue was “Dealing with your lender or servicer” with 98. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every student loan companyGet student loan in Florida
  • 185Complaints, last 3 years
  • 314Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 5Products
  • Oct 26, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 659
202552
202468
202325
202219
202122
202015
201919
201816
201711
20166
20152

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Student loan14779.5%
Credit reporting or other personal consumer reports3116.8%
Debt collection52.7%
Credit card10.5%
Payday loan, title loan, personal loan, or advance loan10.5%

Issues

IssueComplaintsShare
Dealing with your lender or servicer9853%
Struggling to repay your loan2614.1%
Getting a loan1910.3%
Improper use of your report1910.3%
Incorrect information on your report137%
Problem with a company's investigation into an existing problem31.6%
Communication tactics21.1%
Getting the loan10.5%
Issue with income share agreement10.5%
Threatened to contact someone or share information improperly10.5%
Took or threatened to take negative or legal action10.5%
Written notification about debt10.5%

How the company responded

Company responseComplaintsShare
Closed with explanation185100%

States

StateComplaintsShare
Florida2111.4%
New York2111.4%
California1910.3%
Texas158.1%
Illinois105.4%
New Jersey105.4%
Pennsylvania105.4%
Massachusetts84.3%
Ohio73.8%
Wisconsin73.8%
Minnesota63.2%
Michigan52.7%
North Carolina52.7%
Tennessee52.7%
Maryland42.2%
Virginia42.2%
Arizona31.6%
Colorado31.6%
Georgia31.6%
Iowa21.1%
Indiana21.1%
Nebraska21.1%
New Hampshire21.1%
Oregon21.1%
District of Columbia10.5%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 26, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
October 21, 2026Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
October 19, 2026Student loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 1, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
October 1, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
September 30, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
September 21, 2026Student loanGetting a loanClosed with explanationconsumerfinance.gov
September 17, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 7, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 23, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
August 22, 2026Student loanGetting a loanClosed with explanationconsumerfinance.gov
August 12, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 11, 2026Student loanGetting a loanClosed with explanationconsumerfinance.gov
August 7, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
August 3, 2026Student loanGetting a loanClosed with explanationconsumerfinance.gov
July 29, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
July 13, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 8, 2026Student loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 6, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 16, 2026Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
May 28, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
May 27, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
May 26, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 25, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
May 25, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
May 21, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 11, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
May 6, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
May 1, 2026Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
April 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 21, 2026Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
April 17, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
April 13, 2026Student loanGetting a loanClosed with explanationconsumerfinance.gov
April 12, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
April 2, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
March 31, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
March 15, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
March 9, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 4, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
March 3, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 23, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
February 23, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
February 18, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
February 13, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
February 11, 2026Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
February 11, 2026Student loanGetting a loanClosed with explanationconsumerfinance.gov
February 4, 2026Student loanGetting a loanClosed with explanationconsumerfinance.gov
January 29, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
January 27, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.