Earnest Inc. Consumer Complaints
Earnest Inc. has received 279 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 279 total complaints on file with the CFPB.
- Most complaints are about Student loan (228).
- Timely response rate: 98.2%.
- Consumer disputed rate: 15.4% of resolved complaints.
Complaints by Product
The following table shows how complaints against Earnest Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Student loan | 228 | 81.7% |
| Credit reporting or other personal consumer reports | 23 | 8.2% |
| Credit reporting, credit repair services, or other personal consumer reports | 11 | 3.9% |
| Debt collection | 6 | 2.2% |
| Payday loan, title loan, or personal loan | 6 | 2.2% |
| Consumer Loan | 1 | 0.4% |
| Credit card | 1 | 0.4% |
| Credit reporting | 1 | 0.4% |
| Mortgage | 1 | 0.4% |
| Payday loan, title loan, personal loan, or advance loan | 1 | 0.4% |
Most Common Issues
These are the specific issues consumers most frequently report about Earnest Inc..
Company Response Breakdown
When consumers file complaints, Earnest Inc. responds in one of several ways. The breakdown below shows how Earnest Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 272 | 97.5% |
| Closed with monetary relief | 4 | 1.4% |
| Closed with non-monetary relief | 2 | 0.7% |
| In progress | 1 | 0.4% |
Complaints by State
Top states where consumers have filed complaints against Earnest Inc..
| State | Complaints |
|---|---|
| California | 33 |
| New York | 27 |
| Texas | 19 |
| Florida | 18 |
| Pennsylvania | 16 |
| Illinois | 14 |
| Massachusetts | 13 |
| New Jersey | 12 |
| Maryland | 10 |
| Minnesota | 10 |
| Ohio | 10 |
| Virginia | 10 |
| Wisconsin | 10 |
| North Carolina | 8 |
| Colorado | 7 |
| Arizona | 6 |
| District of Columbia | 6 |
| Michigan | 6 |
| Tennessee | 6 |
| Georgia | 5 |
Your Rights
What to do if you have a complaint against Earnest Inc.
- Contact Earnest Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Earnest Inc. have?
Earnest Inc. has 279 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Earnest Inc.?
The most common issue reported is Dealing with your lender or servicer with 150 complaints.
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How do I file a complaint against Earnest Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Earnest Inc. respond to complaints on time?
Earnest Inc. has a 98.2% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.