CFPB Consumer Complaint Profile
Climb Credit Inc.
What 550 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 550
- Total complaints
- Above average
- 392
- Last 12 months
- 98.7%
- Timely response
- Above median
- 45
- States affected
The verdict
Climb Credit Inc. ranks #474 of 3,843 financial companies by CFPB complaint volume, with 550 complaints on record. Its on-time response rate is 98.7%, the 56th percentile among companies with 100+ complaints.
- #474
- of 3,843 companies by volume
- 98.7%
- on time (56th pctile)
- Student loan
- most-complained product
- 45
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Climb Credit Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.7% Higher than most higher than 56% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 57 in 2024 to 317 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 4 |
| 2017 | 3 |
| 2018 | 1 |
| 2019 | 2 |
| 2020 | 5 |
| 2021 | 5 |
| 2022 | 14 |
| 2023 | 38 |
| 2024 | 57 |
| 2025 | 317 |
| 2026year in progress | 104 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Climb Credit Inc.
The CFPB Consumer Complaint Database has logged 550 complaints against Climb Credit Inc. overall, with 392 of those filed in the trailing 12 months. Reports have come from consumers in 45 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Student loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Dealing with your lender or servicer" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Climb Credit Inc.'s timely response rate stands at 98.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved cases drew a formal consumer-dispute rate of 66.7% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 1.1% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Climb Credit Inc. have?
Climb Credit Inc. has 550 total consumer complaints filed with the CFPB, with 392 filed in the last 12 months.
Does Climb Credit Inc. respond to complaints on time?
Climb Credit Inc.'s CFPB timely-response rate is 98.7%. That is a strong response record by CFPB standards.
What product generates the most complaints for Climb Credit Inc.?
"Student loan" draws more CFPB complaints against Climb Credit Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Climb Credit Inc.?
"Dealing with your lender or servicer" is the single most frequently cited issue in complaints against Climb Credit Inc. - see all issues and counts above.
How do I file a complaint against Climb Credit Inc.?
You can file a complaint against Climb Credit Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Climb Credit Inc.?
Climb Credit Inc. has drawn CFPB complaints from 45 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Climb Credit Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (66.7% here).
Also handles Student loan
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.