What is the most common complaint against ESM Enterprises?

The most common issue consumers report about ESM Enterprises is "Communication tactics", specifically "Talked to a third party about my debt". This is based on 3 complaints filed with the CFPB.

Are complaints against ESM Enterprises increasing or decreasing?

Complaints against ESM Enterprises are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is ESM Enterprises's reputation grade?

ESM Enterprises has a reputation grade of B (score: 63.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does ESM Enterprises respond to consumer complaints?

ESM Enterprises has a 67% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.

In how many states does ESM Enterprises operate?

ESM Enterprises has received CFPB complaints from consumers in 2 states, with the most complaints from Florida (2 complaints).

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

ESM Enterprises - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Compiled by PlainCollector

Communication tactics

1
Improper contact or sharing of info

1
Taking/threatening an illegal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record esm-enterprises ESM Enterprises

Grade B · 3 CFPB filings · 67% timely · lead issue: Communication tactics · vol #3667 · compose #1976

VOL 3
GRADE B
12MO 0
STATES 2
TIMELY 67%
DISPUTE 33%
ISSUE Communication tactics
RANK #3,667
COMPOSE #1,976

Volume peers

Nearest volume peer: 950 Credit Inc (3 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

ESM Enterprises's 3 CFPB complaints sit next to 950 Credit Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

66.7% of ESM Enterprises's CFPB filings land in Florida

High volume does not equal a clean composite: ESM Enterprises is volume #3,667 but composite #1,976, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 66.7%; 2 of 3 filings · 2 states touched
Seasonal peak: 2015-02 10.0%; 8–15% band · 1 filings
Divergent corpus ranks: #3,667 volume; #1,976 composite; Cleanest-composite ladder is 1,691 places better than volume

How does ESM Enterprises compare to its peers?

How does ESM Enterprises compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

ESM Enterprises National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

67%

91%

Consumer-dispute ratelower is better

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-02 2023-07

Issue Detail Breakdown

Issue	Complaints
Communication tactics	1
Improper contact or sharing of info	1
Taking/threatening an illegal action	1

Where do complaints against ESM Enterprises come from?

ESM Enterprises's own per-state count, not a national baseline.

Florida

2
Iowa

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for ESM Enterprises: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 3.

4 peers

Know your rights before responding to ESM Enterprises: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.