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Data / Consumer complaints / Earnest Inc. / Student loan

Earnest Inc.: 147 CFPB complaints about student loan, last 3 years

Earnest Inc. drew 147 consumer complaints about student loan in the CFPB database in the three years to November 6, 2026, 79.5% of its 185 complaints in that time. The most common issue was “Dealing with your lender or servicer”. The company responded on time to 100.0% of them, 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.

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  • 147Complaints, last 3 years
  • 79.5%Share of the company's complaints
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • Oct 26, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20265235.4%
12 months to Nov 6, 20254228.6%
12 months to Nov 6, 20245336.1%

Issues

IssueComplaintsShare
Dealing with your lender or servicer9866.7%
Struggling to repay your loan2617.7%
Getting a loan1912.9%
Incorrect information on your report32%
Issue with income share agreement10.7%

How the company responded

Company responseComplaintsShare
Closed with explanation147100%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Florida1711.6%
New York1610.9%
California149.5%
Pennsylvania106.8%
Texas96.1%
Illinois85.4%
Massachusetts74.8%
New Jersey74.8%
Ohio74.8%
Minnesota64.1%
Wisconsin64.1%
Michigan53.4%
Tennessee42.7%
Arizona32%
Maryland32%
North Carolina32%
Georgia21.4%
Indiana21.4%
Nebraska21.4%
New Hampshire21.4%
Virginia21.4%
Colorado10.7%
District of Columbia10.7%
Delaware10.7%
Iowa10.7%

Latest 25 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
August 23, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
August 22, 2026Student loanGetting a loanClosed 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 8, 2026Student loanIncorrect 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 25, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
May 25, 2026Student loanDealing with your lender or servicerClosed 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 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

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.