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.
- Volume rank #158 of 342
- 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 →
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
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