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

CFPB complaint data Grade F 29 complaints

Essential Retrieval Group - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade F.

Complaints by issue type

What consumers report about Essential Retrieval Group

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record essential-retrieval-group Essential Retrieval Group

Grade F · 29 CFPB filings · 6% timely · lead issue: Cont'd attempts collect debt not owed

  • VOL 29
  • GRADE F
  • 12MO 0
  • STATES 20
  • TIMELY 6%
  • DISPUTE 8%
  • ISSUE Cont'd attempts collect de…
  • RANK #1,560
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Acquired Assets, Ltd. (29 complaints)

Acquired Assets, Ltd.Acquired Assets, Ltd.29Alco Collections, Inc.Alco Collections, Inc.29Allen & WithrowAllen & Withrow29Arivo Acceptance, LLCArivo Acceptance, LLC29Essential Retrieval Group (this)Essential Retrieval Group (t…29
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Essential Retrieval Group's 29 CFPB complaints sit next to Acquired Assets, Ltd. 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 →

How the 29 complaints break down

Every complaint issue type on record for Essential Retrieval Group, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
32.5/100
Essential Retrieval Group

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
29
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response F
6%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
8%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Essential Retrieval Group spreads filings across 20 states - Florida leads at only 13.8%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Florida still leads at 13.8% across 20 states
Seasonal peak
2018-08 9.4%
8–15% band · 3 filings
Corpus ranks
#1,560 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Essential Retrieval Group compare to its peers?

How does Essential Retrieval Group 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 Retrieval Group National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
6%
72%
91%
Consumer-dispute ratelower is better
8%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Essential Retrieval Group a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%20%40%60% Timely response rate (%) Dispute rate (%) Essential Retrieval Group vs. 8 similar-volume peers, by response speed and dispute rate Essential Retrieval GroupEmerald AR Systems, LLCFairway Collections, LLCDiversified Recovery Services Inc.Feldman & Stern, LLCHodosh, Lyon & Hammer, PCCertified Bureau of the South, IncLHR Inc.CAPITAL RESOURCE MANAGEMENT, INC.
Source: CFPB Consumer Complaint Database

Essential Retrieval Group's complaint volume in context

Essential Retrieval Group vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

29 71st percentile higher than 71% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Essential Retrieval Group 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2018-08 2025-06

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
10
Took or threatened to take negative or legal action
4
False statements or representation
4
Communication tactics
4
Taking/threatening an illegal action
3
Improper contact or sharing of info
2
Disclosure verification of debt
1
Threatened to contact someone or share information improperly
1

Where do complaints against Essential Retrieval Group come from?

Essential Retrieval Group's own per-state count, not a national baseline.

Top states by complaints against Essential Retrieval Group

Across 20 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Essential Retrieval Group: 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: 29.

4 peers

Know your rights before responding to Essential Retrieval Group: 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.