CFPB · Diversified product mix
Upgrade, Inc.
4.5K CFPB complaints · diversified mix (top product 30.3%) · top issue Incorrect information on your report.
Upgrade, Inc.: top product "Credit reporting or other personal consumer reports" is only 30.3% of 4.5K - multi-bucket mix. Timely 99.8% · relief 3.9%. Allegations, not findings.
- Diversified product mix
- +48900% filings 2017 to 2026
CFPB relief outcome brief
CCDB company upgrade-inc
3.9% relief · 99.8% timely · 4.5K filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Larry H. Miller Group of Companies (4.1% relief)
Upgrade, Inc. closes 3.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Upgrade, Inc. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (18/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
18 / 100 percentile-benchmarked
3.9% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
90 / 100 percentile-benchmarked
94.3% of complaints closed with an explanation to the consumer
Most of Upgrade, Inc.'s 4.5K filings include narrative text
42.3% 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.
Upgrade, Inc. complaint mix by product
- Credit reporting 1K 32.7% – 1% relief
- Debt collection 1K 24.5% – 1% relief
- Payday loan, 501 11.9% – 3% relief
- Checking or 371 8.8% – 9% relief
- Credit reporting, 321 7.6% – 3% relief
- Payday loan, 309 7.4% – 14% relief
- Credit card 297 7.1% – 13% relief
How Upgrade, Inc.'s 4.5K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 1.4K |
| Debt collection | 1.0K |
| Payday loan, title loan, personal loan, or advance loan | 501 |
| Checking or savings account | 371 |
| Credit reporting, credit repair services, or other personal consumer reports | 321 |
| Payday loan, title loan, or personal loan | 309 |
| Credit card or prepaid card | 297 |
| Credit card | 288 |
| Money transfer, virtual currency, or money service | 19 |
| Vehicle loan or lease | 18 |
| Debt or credit management | 5 |
| Prepaid card | 2 |
| Mortgage | 1 |
| Student loan | 1 |
Nationwide filing states for Upgrade, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 13% of this company's filings
Upgrade, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 980
- +48900% vs 2017
Volume vs. relief
Where Upgrade, Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Upgrade, Inc. files more complaint volume than 65% of them, and closes complaints with relief more often than 53% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 4,536 · Closed with relief: 3.9%
Top States
| State | Complaints |
|---|---|
| CA | 588 |
| TX | 560 |
| FL | 486 |
| GA | 263 |
| IL | 216 |
| NJ | 206 |
| NC | 179 |
| NY | 178 |
| PA | 165 |
| OH | 137 |
| MI | 125 |
| VA | 118 |
| AZ | 101 |
| SC | 86 |
| AL | 77 |
| TN | 76 |
| NV | 72 |
| IN | 66 |
| MD | 61 |
| WA | 60 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 1.1K |
| Took or threatened to take negative or legal action | 388 |
| Attempts to collect debt not owed | 373 |
| Improper use of your report | 365 |
| Problem with a company's investigation into an existing problem | 338 |
| Managing an account | 261 |
| Problem when making payments | 234 |
| Problem with a purchase shown on your statement | 152 |
| Charged fees or interest you didn't expect | 128 |
| False statements or representation | 105 |
| Written notification about debt | 99 |
| Other features, terms, or problems | 93 |
| Problem with the payoff process at the end of the loan | 88 |
| Getting the loan | 73 |
| Struggling to pay your loan | 62 |
| Problem with a credit reporting company's investigation into an existing problem | 57 |
| Getting a credit card | 55 |
| Closing your account | 51 |
| Closing an account | 51 |
| Getting a line of credit | 48 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 2 | 100% |
| 2018 | 24 | 100% |
| 2019 | 14 | 100% |
| 2020 | 47 | 100% |
| 2021 | 192 | 99% |
| 2022 | 469 | 100% |
| 2023 | 572 | 99.7% |
| 2024 | 755 | 99.9% |
| 2025 | 1.5K | 99.9% |
| 2026 | 980 | 99.9% |
Source: CFPB Consumer Complaint Database
Upgrade, Inc. spreads across product buckets
Upgrade, Inc.'s 4,536 logged complaints reach a nationwide footprint - 53 states have at least one filing. 42.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2017 through 2026-06-26.
Upgrade, Inc. answers 99.8% of complaints inside the CFPB's tracked window and closes 94.3% with a written explanation. 3.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."
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 Upgrade, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Upgrade, 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: 4.5K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.8%.
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 Upgrade, Inc. (#122 of 342; 99.8% timely; 3.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix