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

CFPB complaint data Grade B 3 complaints

ESM Enterprises - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Complaints by issue type

What consumers report about ESM Enterprises

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 67.0/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

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

The verdict

A reputation grade of B: ESM Enterprises ranks ahead of 63% of the 5,283 collectors PlainCollector grades - 37% keep a cleaner CFPB record, on 3 all-time complaints and a 67% timely-response rate.

63rd pct
reputation rank of 5,283 graded collectors
3
CFPB complaints, all-time
67%
answered inside the CFPB window
0
in the last 12 months (falling)

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 ESM Enterprises?

ESM Enterprises has accumulated 3 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 3 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Talked to a third party about my debt". The company posts a 67% timely-response rate against a 33% consumer-dispute-after-response rate.

Complaints have been recorded across 2 states, led by Florida with 2 and Iowa with 1. Normalized against the full CFPB collector database, the reputation score of 67.0/100 places ESM Enterprises in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

3

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

2

limited footprint

Timely response rate

67%

below sla band

Consumer disputes

33%

high (vertical avg ~19%)

Reputation grade

B

67.0/100 composite

How does ESM Enterprises's reputation rank nationally?

Reputation score vs. every graded collector

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

67 63rd percentile higher than 63% 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

ESM Enterprises versus the debt-collection vertical average.

Timely response within SLA 66.7%
Vertical avg

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

Consumer dispute rate (post-response) 33.3%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 3.6%

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

How does ESM Enterprises compare to its peers?

How does ESM Enterprises compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
ESM Enterprises National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
67%
0%
91%
Consumer-dispute ratelower is better
33%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-02 2023-07

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against ESM Enterprises

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if ESM Enterprises contacts you

A grade of B signals how ESM Enterprises'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 ESM Enterprises 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 ESM Enterprises 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 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: 67.0/100), 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).

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.