Data / Consumer complaints / Essential Lending Inc
Essential Lending Inc: 207 CFPB consumer complaints in the last 3 years
Essential Lending Inc drew 207 consumer complaints in the CFPB database in the three years to November 6, 2026, and 261 since 2016. The largest group, 86, was about debt collection, and the most common issue was “Incorrect information on your report” with 49. The company responded on time to 60.9% of the complaints, and 0.0% closed with monetary or other relief.
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- 207Complaints, last 3 years
- 261Complaints, all years
- 60.9%Responded on time
- 0.0%Closed with relief
- 3Products
- Nov 3, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 101 |
| 2025 | 77 |
| 2024 | 24 |
| 2023 | 20 |
| 2022 | 14 |
| 2021 | 11 |
| 2020 | 4 |
| 2019 | 1 |
| 2018 | 4 |
| 2017 | 4 |
| 2016 | 1 |
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.
| Product | Complaints | Share |
|---|---|---|
| Debt collection | 86 | 41.5% |
| Credit reporting or other personal consumer reports | 69 | 33.3% |
| Payday loan, title loan, personal loan, or advance loan | 52 | 25.1% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 49 | 23.7% |
| Took or threatened to take negative or legal action | 41 | 19.8% |
| Attempts to collect debt not owed | 21 | 10.1% |
| Charged fees or interest you didn't expect | 14 | 6.8% |
| Problem with a company's investigation into an existing problem | 14 | 6.8% |
| Improper use of your report | 11 | 5.3% |
| False statements or representation | 9 | 4.3% |
| Getting the loan | 7 | 3.4% |
| Communication tactics | 6 | 2.9% |
| Problem with the payoff process at the end of the loan | 6 | 2.9% |
| Written notification about debt | 6 | 2.9% |
| Can't contact lender or servicer | 5 | 2.4% |
| Problem when making payments | 5 | 2.4% |
| Received a loan you didn't apply for | 4 | 1.9% |
| Threatened to contact someone or share information improperly | 3 | 1.4% |
| Struggling to pay your loan | 2 | 1% |
| Credit monitoring or identity theft protection services | 1 | 0.5% |
| Loan payment wasn't credited to your account | 1 | 0.5% |
| Problem with additional add-on products or services | 1 | 0.5% |
| Problem with fraud alerts or security freezes | 1 | 0.5% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 207 | 100% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 141 | 68.1% |
| Louisiana | 15 | 7.2% |
| Missouri | 12 | 5.8% |
| South Carolina | 10 | 4.8% |
| Mississippi | 4 | 1.9% |
| California | 3 | 1.4% |
| District of Columbia | 3 | 1.4% |
| Delaware | 3 | 1.4% |
| Wisconsin | 3 | 1.4% |
| North Carolina | 2 | 1% |
| Pennsylvania | 2 | 1% |
| Utah | 2 | 1% |
| Virginia | 2 | 1% |
| Arkansas | 1 | 0.5% |
| Florida | 1 | 0.5% |
| Georgia | 1 | 0.5% |
| Indiana | 1 | 0.5% |
| New Jersey | 1 | 0.5% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| November 3, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| October 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| September 13, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 13, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 9, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 7, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| September 4, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| September 4, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| August 31, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 27, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| August 27, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| August 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 23, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 19, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 17, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 14, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| August 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 13, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| July 23, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 5, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 30, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 30, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 30, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 30, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 28, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 23, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| June 23, 2026 | Credit reporting or other personal consumer reports | Credit monitoring or identity theft protection services | Closed with explanation | consumerfinance.gov |
| June 18, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 15, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| June 15, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| June 11, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| June 9, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 30, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 28, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| May 25, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| May 24, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| May 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| May 21, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| May 15, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| May 15, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| May 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| May 9, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 5, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| April 29, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 24, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Debt collection complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Consumer complaints in Texas
- Consumer complaints in Louisiana
- Consumer complaints in Missouri
- All consumer complaints
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.