What is the most common complaint against Essential Lending Inc?

The most common issue consumers report about Essential Lending Inc is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 88 complaints filed with the CFPB.

Are complaints against Essential Lending Inc increasing or decreasing?

Complaints against Essential Lending Inc are rising. The company received 56 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Essential Lending Inc's reputation grade?

Essential Lending Inc has a reputation grade of F (score: 46.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Essential Lending Inc respond to consumer complaints?

Essential Lending Inc has a 87% timely response rate to CFPB complaints.

In how many states does Essential Lending Inc operate?

Essential Lending Inc has received CFPB complaints from consumers in 14 states, with the most complaints from Texas (60 complaints).

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

Essential Lending Inc - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

42
Attempts to collect debt not owed

24
False statements or representation

10
Communication tactics

7
Threatened to contact someone or share information improperly

3
Written notification about debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record essential-lending-inc Essential Lending Inc

Grade F · 88 CFPB filings · 87% timely · lead issue: Took or threatened to take negative or legal action · vol #877 · compose #4422

VOL 88
GRADE F
12MO 56
STATES 14
TIMELY 87%
ISSUE Took or threatened to take…
RANK #877
COMPOSE #4,422

Volume peers

Nearest volume peer: Conrad Credit Corporation (88 complaints)

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

Essential Lending Inc's 88 CFPB complaints sit next to Conrad Credit Corporation 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

68.2% of Essential Lending Inc's CFPB filings land in Texas

High volume does not equal a clean composite: Essential Lending Inc is volume #877 but composite #4,422, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 68.2%; 60 of 88 filings · 14 states touched
Seasonal peak: 2026-02 12.7%; 8–15% band · 14 filings
Divergent corpus ranks: #877 volume; #4,422 composite; Cleanest-composite ladder is 3,545 places worse than volume

How does Essential Lending Inc compare to its peers?

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

Essential Lending Inc National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

87%

78%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-01 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	42
Attempts to collect debt not owed	24
False statements or representation	10
Communication tactics	7
Threatened to contact someone or share information improperly	3
Written notification about debt	2

Where do complaints against Essential Lending Inc come from?

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

Texas

60
South Carolina

7
Missouri

5
Louisiana

4
Wisconsin

3
California

1
Delaware

1
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Essential Lending Inc: 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: 88.

4 peers

Know your rights before responding to Essential Lending Inc: 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.