CFPB · Narrative-heavy record
Climb Credit Inc.
670 CFPB complaints · 47.9% with narratives · top issue Dealing with your lender or servicer.
Climb Credit Inc.: 47.9% of 670 filings include consumer narratives. Timely 99% · relief 0.9% · top product Student loan. Allegations, not findings.
- Narrative-heavy record
- +5500% filings 2015 to 2026
CFPB relief outcome brief
CCDB company climb-credit-inc
0.9% relief · 99% timely · 670 filings · Student loan
Same-product relief peers
Nearest relief peer: Maximus Federal Services, Inc. (0.7% relief)
Climb Credit Inc. closes 0.9% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Climb Credit Inc.'s 670 filings include narrative text
47.9% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Climb Credit Inc. complaint mix by product
- Student loan 432 64.9% – 1% relief
- Credit reporting 99 14.9% – 0% relief
- Debt collection 96 14.4% – 0% relief
- Payday loan, 16 2.4% – 0% relief
- Credit reporting, 16 2.4% – 6% relief
- Vehicle loan 4 0.6% – 0% relief
- Payday loan, 3 0.5% – 0% relief
How Climb Credit Inc.'s 670 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Student loan | 432 |
| Credit reporting or other personal consumer reports | 99 |
| Debt collection | 96 |
| Payday loan, title loan, personal loan, or advance loan | 16 |
| Credit reporting, credit repair services, or other personal consumer reports | 16 |
| Vehicle loan or lease | 4 |
| Payday loan, title loan, or personal loan | 3 |
| Debt or credit management | 2 |
| Credit card | 1 |
| Checking or savings account | 1 |
Nationwide filing states for Climb Credit Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 11.9% of this company's filings
Climb Credit Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 224
- +5500% vs 2015
Top States
| State | Complaints |
|---|---|
| TX | 80 |
| CA | 70 |
| NY | 69 |
| FL | 63 |
| GA | 33 |
| NJ | 26 |
| NC | 24 |
| AZ | 23 |
| CO | 22 |
| MA | 19 |
| PA | 18 |
| WA | 17 |
| VA | 16 |
| TN | 15 |
| OH | 14 |
| MD | 13 |
| IN | 12 |
| IL | 10 |
| MI | 10 |
| SC | 9 |
Top Issues
| Issue | Complaints |
|---|---|
| Dealing with your lender or servicer | 224 |
| Getting a loan | 106 |
| Incorrect information on your report | 77 |
| Struggling to repay your loan | 39 |
| Took or threatened to take negative or legal action | 37 |
| Attempts to collect debt not owed | 34 |
| Improper use of your report | 29 |
| Problem with a company's investigation into an existing problem | 24 |
| Issue where my lender is my school | 20 |
| Issue with income share agreement | 17 |
| False statements or representation | 10 |
| Written notification about debt | 7 |
| Charged fees or interest you didn't expect | 6 |
| Problem with a credit reporting company's investigation into an existing problem | 5 |
| Communication tactics | 5 |
| Dealing with my lender or servicer | 4 |
| Getting the loan | 3 |
| Credit monitoring or identity theft protection services | 3 |
| Electronic communications | 3 |
| Problem with additional add-on products or services | 3 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 4 | 100% |
| 2017 | 3 | 66.7% |
| 2018 | 1 | 100% |
| 2019 | 2 | 100% |
| 2020 | 5 | 0% |
| 2021 | 5 | 100% |
| 2022 | 14 | 100% |
| 2023 | 38 | 100% |
| 2024 | 57 | 98.2% |
| 2025 | 317 | 100% |
| 2026 | 224 | 100% |
Source: CFPB Consumer Complaint Database
Climb Credit Inc.'s narrative-rich complaint ledger
Climb Credit Inc.'s 670 logged complaints reach a nationwide footprint - 47 states have at least one filing. 47.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-06-26.
Climb Credit Inc. answers 99% of complaints inside the CFPB's tracked window and closes 98.7% with a written explanation. 0.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Student loan" draws the most filings, most often for "Dealing with your lender or servicer."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Climb Credit Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Climb Credit Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 670.
- Collection Bureau of the Hudson Valley, Inc. Δ 2 complaints · 31.5% relief 672complaints
- Mercantile Adjustment Bureau, LLC Δ 2 complaints · 0.4% relief 668complaints
- SCA Collections, Inc. Δ 3 complaints · 0% relief 667complaints
- Asset Management Outsourcing, Inc. Δ 5 complaints · 0% relief 675complaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Climb Credit Inc. (99% timely; 0.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record