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.
- Volume rank #122 of 342
- 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 →
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
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