CFPB · Mid-pack CFPB posture
Upstart Holdings, Inc.
3.2K CFPB complaints · 55 states · top issue Incorrect information on your report.
Upstart Holdings, Inc. has 3.2K consumer complaints in the CFPB public database (ranks #158 of 342 by volume among indexed companies). Timely response is 98.5%; 0.6% closed with relief; top product Credit reporting or other personal consumer reports. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +38450% filings 2015 to 2026
CFPB relief outcome brief
CCDB company upstart-holdings-inc
0.6% relief · 98.5% timely · 3.2K filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Opportunity Financial, LLC (0.6% relief)
Upstart Holdings, Inc. closes 0.6% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Upstart Holdings, Inc. scores strongest on timely response (97/100 percentile-benchmarked) and weakest on relief provided (3/100), 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
3 / 100 percentile-benchmarked
0.6% of complaints closed with relief to the consumer
Timely response
97 / 100 percentile-benchmarked
98.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
93 / 100 percentile-benchmarked
96.1% of complaints closed with an explanation to the consumer
How 3.2K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Upstart Holdings, Inc. complaint mix by product
- 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 |
Nationwide filing states for Upstart Holdings, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 13.1% of this company's filings
Upstart Holdings, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 771
- +38450% vs 2015
Volume vs. relief
Where Upstart Holdings, Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Upstart Holdings, Inc. files more complaint volume than 54% of them, and closes complaints with relief more often than 35% of them, placing it in the quadrant for high volume, below-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: 3,221 · Closed with relief: 0.6%
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
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. Only 36.1% of filings carry a written consumer narrative, so most of this record is coded categories rather than 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..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Upstart Holdings, 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: 3.2K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.5%.
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 Upstart Holdings, Inc. (#158 of 342; 98.5% timely; 0.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture