Who is complaining aboutClimb Credit Inc.?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
480
185 in the 12 months before · 764 since 2015 · under 0.1% of all complaints the CFPB received
For its size
No public size denominator
This company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its count cannot be scaled here. Read the count with the company's customer base in mind.
The CFPB complaint database records 480 complaints about Climb Credit Inc. in the 12 months to 1 Oct 2026, up 159% on the 185 of the 12 months before, and 764 in all since 2015.
Climb Credit Inc. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer.
69.4% of the complaints in that period fall under the CFPB product category “Student loan”, followed by “Debt collection” at 16%. The issue selected most often was “Dealing with your lender or servicer” (41.3%).
How the company's responses were recorded over the 12 months: 100% closed with an explanation, 0% closed with non-monetary relief, 0% closed with monetary relief. 100% of responses were marked timely; the median among the 18 companies whose complaints mainly concern “Student loan” is 100%.
Among those 18 peer companies the median received 138.5 complaints in the same 12 months. A complaint is a consumer's account and is not a finding against the company; the CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 1 Oct 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
| Measure | Climb Credit Inc. | Peer median (18 companies) | All complaints nationally |
|---|---|---|---|
| Complaints, last 12 months | 480 | 138.5 | 6,945,592 |
| Change on the 12 months before | 159% | 1% | 44% |
| Responses marked timely | 100% | 100% | 99.6% |
| Closed with monetary or non-monetary relief | 0% | 0% | 31.5% |
Peers are the 18 companies on this site whose largest complaint category is Student loan and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, in the last 12 months.
- Student loan333 · 69.4%
- Debt collection77 · 16%
- Credit reporting or other personal consumer reports51 · 10.6%
- Payday loan, title loan, personal loan, or advance loan14 · 2.9%
- Vehicle loan or lease3 · 0.6%
- All other categories2 · 0.4%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Dealing with your lender or servicer | 198 | 41.3% |
| Getting a loan | 68 | 14.2% |
| Incorrect information on your report | 43 | 9% |
| Took or threatened to take negative or legal action | 32 | 6.7% |
| Struggling to repay your loan | 27 | 5.6% |
| Attempts to collect debt not owed | 27 | 5.6% |
| Problem with a company's investigation into an existing problem | 14 | 2.9% |
| Issue where my lender is my school | 14 | 2.9% |
| Issue with income share agreement | 12 | 2.5% |
| Improper use of your report | 6 | 1.3% |
| Other CFPB issue categories | 39 | 8.1% |
Student loan
333 complaints in the last 12 months (69.4% of this company's total); 120 in the 12 months before. That is 1.7% of all complaints in the category nationally. 0% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Dealing with your lender or servicer | 198 | 59.5% |
| Getting a loan | 68 | 20.4% |
| Struggling to repay your loan | 27 | 8.1% |
| Issue where my lender is my school | 14 | 4.2% |
| Issue with income share agreement | 12 | 3.6% |
| Other CFPB issue categories | 14 | 4.2% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Private student loan | 330 | 99.1% |
| Federal student loan servicing | 3 | 0.9% |
Debt collection
77 complaints in the last 12 months (16% of this company's total); 19 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 0% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Took or threatened to take negative or legal action | 32 | 41.6% |
| Attempts to collect debt not owed | 27 | 35.1% |
| False statements or representation | 6 | 7.8% |
| Communication tactics | 5 | 6.5% |
| Written notification about debt | 4 | 5.2% |
| Other CFPB issue categories | 3 | 3.9% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Private student loan debt | 37 | 48.1% |
| I do not know | 34 | 44.2% |
| Credit card debt | 3 | 3.9% |
| Other debt | 3 | 3.9% |
Credit reporting or other personal consumer reports
51 complaints in the last 12 months (10.6% of this company's total); 38 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 0% of closed complaints ended with relief; 100% of responses were timely.
Issues
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 51 | 100% |
Payday loan, title loan, personal loan, or advance loan
14 complaints in the last 12 months (2.9% of this company's total); 6 in the 12 months before. That is 0.1% of all complaints in the category nationally. 0% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Struggling to pay your loan | 4 | 28.6% |
| Getting the loan | 3 | 21.4% |
| Charged fees or interest you didn't expect | 3 | 21.4% |
| Problem with additional add-on products or services | 3 | 21.4% |
| Problem with the payoff process at the end of the loan | 1 | 7.1% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Installment loan | 10 | 71.4% |
| Personal line of credit | 3 | 21.4% |
| Payday loan | 1 | 7.1% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints in the last 12 months.
- Closed with explanation480 · 100%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Texas | 59 | 12.3% |
| California | 53 | 11% |
| New York | 44 | 9.2% |
| Florida | 40 | 8.3% |
| North Carolina | 24 | 5% |
| Georgia | 24 | 5% |
| Colorado | 21 | 4.4% |
| New Jersey | 18 | 3.8% |
| Ohio | 13 | 2.7% |
| Arizona | 13 | 2.7% |
| Virginia | 12 | 2.5% |
| Pennsylvania | 12 | 2.5% |
Top 12 of 41 states with at least one complaint in the last 12 months. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Student loan, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about Climb Credit Inc.?
480 in the 12 months to 1 Oct 2026 (185 in the 12 months before that) and 764 since 2015. 17 arrived in the last 30 days and 80 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
Climb Credit Inc. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
69.4% of complaints in the last 12 months are filed under “Student loan”. The issues selected most often were “Dealing with your lender or servicer” (41.3%), “Getting a loan” (14.2%), “Incorrect information on your report” (9%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does Climb Credit Inc. respond to complaints?
100% were closed with an explanation, 0% with non-monetary relief and 0% with monetary relief; 100% of responses were timely (peer median 100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 1 Oct 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. No size measure: the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.