This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 7 complaints

Earnest Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade C.

Complaints by issue type

What consumers report about Earnest Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.0/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Earnest Inc. ranks ahead of 52% of the 5,283 collectors PlainCollector grades - 48% keep a cleaner CFPB record, on 7 all-time complaints and a 83% timely-response rate.

52nd pct
reputation rank of 5,283 graded collectors
7
CFPB complaints, all-time
83%
answered inside the CFPB window
2
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Earnest Inc.?

Earnest Inc. has accumulated 7 total CFPB complaints across 6 states, with 2 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 28.6% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "You told them to stop contacting you, but they keep trying". The company posts a 83% timely-response rate.

Complaints have been recorded across 6 states, led by New York with 2 and California with 1. Normalized against the full CFPB collector database, the reputation score of 63.0/100 places Earnest Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

7

low-volume (CCDB)

Last 12 months

2

28.6% of all-time complaints

Stable →

States active

6

regional footprint

Timely response rate

83%

acceptable band

Reputation grade

C

63.0/100 composite

How does Earnest Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

63 52nd percentile higher than 52% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Earnest Inc. versus the debt-collection vertical average.

Timely response within SLA 83.3%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 10.7%

Share of US states + territories with at least one filed complaint against this collector.

How does Earnest Inc. compare to its peers?

How does Earnest Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Earnest Inc. National average
Complaints (last 12 mo)lower is better
2
4
268
Timely-response ratehigher is better
83%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-07 2018-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 4
Written notification about debt - 1
Took or threatened to take negative or legal action - 1
Threatened to contact someone or share information improperly - 1

Where do complaints against Earnest Inc. come from?

Earnest Inc.'s own per-state count, not a national baseline.

Top states by complaints against Earnest Inc.

Across 6 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Earnest Inc. contacts you

A grade of C signals how Earnest Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Earnest Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Earnest Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Earnest Inc.? ▼

The most common issue consumers report about Earnest Inc. is "Communication tactics", specifically "You told them to stop contacting you, but they keep trying". This is based on 7 complaints filed with the CFPB.

Are complaints against Earnest Inc. increasing or decreasing? ▼

Complaints against Earnest Inc. have been stable. The company received 2 complaints in the last 12 months.

What is Earnest Inc.'s reputation grade? ▼

Earnest Inc. has a reputation grade of C (score: 63.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Earnest Inc. respond to consumer complaints? ▼

Earnest Inc. has a 83% timely response rate to CFPB complaints.

In how many states does Earnest Inc. operate? ▼

Earnest Inc. has received CFPB complaints from consumers in 6 states, with the most complaints from New York (2 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.