2026 data Public-data reference Official source

Upstart Holdings, Inc.

3.2K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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3.2K
Total Complaints
98.5%
Timely Response
0%
Disputed
0.6%
Relief Provided
55
States Active
2015
Since

Data updated June 2026

Timely response rate 98.5%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.6%
Industry median

Share closed with monetary or non-monetary relief.

Upstart Holdings, Inc. complaint mix by product

Total complaints: 3.2K

Upstart Holdings, Inc. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 3.2K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Credit reporting: 1,143 complaints (36.0%), resolution 0.3% Credit reporting 36.0% Debt collection: 848 complaints (26.7%), resolution 0.0% Debt collection 26.7% Payday loan,: 511 complaints (16.1%), resolution 2.2% Payday loan, 16.1% Payday loan,: 282 complaints (8.9%), resolution 0.0% Payday loan, 8.9% Credit reporting,: 268 complaints (8.4%), resolution 0.0% Credit reporting, 8.4% Vehicle loan: 92 complaints (2.9%), resolution 3.3% Credit card: 31 complaints (1.0%), resolution 3.2%
  • Credit reporting 1K 36.0% – 0% relief
  • Debt collection 848 26.7% – 0% relief
  • Payday loan, 511 16.1% – 2% relief
  • Payday loan, 282 8.9% – 0% relief
  • Credit reporting, 268 8.4% – 0% relief
  • Vehicle loan 92 2.9% – 3% relief
  • Credit card 31 1.0% – 3% relief

How Upstart Holdings, Inc.'s 3.2K 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 1.1K
Debt collection 848
Payday loan, title loan, personal loan, or advance loan 511
Payday loan, title loan, or personal loan 282
Credit reporting, credit repair services, or other personal consumer reports 268
Vehicle loan or lease 92
Credit card 31
Checking or savings account 9
Mortgage 8
Credit card or prepaid card 7
Debt or credit management 7
Money transfer, virtual currency, or money service 6
Student loan 5
Consumer Loan 3
Credit reporting 1

Top States

State Complaints
CA 423
TX 389
FL 295
NY 228
GA 170
NC 146
IL 124
NJ 119
PA 118
AZ 103
VA 93
MI 86
OH 80
WA 59
SC 58
TN 56
AL 53
MD 46
LA 46
IN 43

Top Issues

Issue Complaints
Incorrect information on your report 844
Took or threatened to take negative or legal action 390
Improper use of your report 380
Problem with a company's investigation into an existing problem 276
Attempts to collect debt not owed 241
Problem when making payments 132
Charged fees or interest you didn't expect 131
Getting the loan 127
Struggling to pay your loan 97
False statements or representation 87
Written notification about debt 76
Problem with the payoff process at the end of the loan 61
Problem with a credit reporting company's investigation into an existing problem 55
Getting a line of credit 47
Communication tactics 30
Problems at the end of the loan or lease 29
Managing the loan or lease 26
Problem with additional add-on products or services 26
Repossession 21
Threatened to contact someone or share information improperly 14

Yearly Trend

Year Complaints Timely
2015 2 0%
2017 9 100%
2018 13 100%
2019 25 96%
2020 58 93.1%
2021 126 98.4%
2022 179 87.2%
2023 396 96.5%
2024 517 99.8%
2025 1.1K 99.9%
2026 771 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Upstart Holdings, Inc.

Upstart Holdings, Inc.'s 3,221 logged complaints reach a nationwide footprint - 55 states have at least one filing on record. Only 36.1% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2015 through 2026-06-25.

Upstart Holdings, Inc. answers 98.5% of complaints inside the CFPB's tracked window and closes 96.1% with a written explanation. 0.6% 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 Upstart Holdings, 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 Upstart Holdings, Inc. have?

3,221, per the CFPB's public complaint count for this company (see the full breakdown above).

Does Upstart Holdings, Inc. respond to complaints on time?

98.5% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about Upstart Holdings, 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.