2026 data Public-data reference Official source

Upgrade, Inc.

4.5K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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4.5K
Total Complaints
99.8%
Timely Response
0%
Disputed
3.9%
Relief Provided
53
States Active
2017
Since

Data updated June 2026

Timely response rate 99.8%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 3.9%
Industry median

Share closed with monetary or non-monetary relief.

Upgrade, Inc. complaint mix by product

Total complaints: 4.5K

Upgrade, Inc. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 4.5K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Credit reporting: 1,373 complaints (32.7%), resolution 1.3% Credit reporting 32.7% Debt collection: 1,030 complaints (24.5%), resolution 0.6% Debt collection 24.5% Payday loan,: 501 complaints (11.9%), resolution 2.8% Payday loan, 11.9% Checking or: 371 complaints (8.8%), resolution 8.9% Checking or 8.8% Credit reporting,: 321 complaints (7.6%), resolution 3.1% Credit reporting, 7.6% Payday loan,: 309 complaints (7.4%), resolution 14.2% Payday loan, 7.4% Credit card: 297 complaints (7.1%), resolution 12.5% Credit card 7.1%
  • 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

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 CFPB Consumer Complaint Database

What the CFPB Record Shows About Upgrade, Inc.

Upgrade, Inc.'s 4,536 logged complaints reach a nationwide footprint - 53 states have at least one filing on record. 42.3% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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..

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.

Frequently Asked Questions

How many CFPB complaints does Upgrade, Inc. have?

4,536, per the CFPB's public complaint count for this company (see the full breakdown above).

Does Upgrade, Inc. respond to complaints on time?

99.8% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about Upgrade, Inc.?

"Incorrect information on your report", filed under the "Credit reporting or other personal consumer reports" category - see the issues and products tables above for the full ranking.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.