CFPB Consumer Complaint Profile
Upgrade, Inc.
3,977 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 3,977
- Total complaints
- 1,613
- Last 12 months
- 99.8%
- Timely response
- 53
- States affected
The verdict
3,977 CFPB complaints put Upgrade, Inc. at #129 out of 3,848 financial companies ranked by complaint volume. It answers 99.8% of complaints on time - above the 93% median for companies with 100+ complaints.
- #129
- of 3,848 companies by volume
- 99.8%
- answered on time
- Credit reporting or …
- most-complained product
- 53
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2017 | 2 |
| 2018 | 24 |
| 2019 | 14 |
| 2020 | 47 |
| 2021 | 192 |
| 2022 | 469 |
| 2023 | 572 |
| 2024 | 755 |
| 2025 | 1,480 |
| 2026 | 422 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Upgrade, Inc.
The CFPB Consumer Complaint Database has logged 3,977 complaints against Upgrade, Inc. overall, with 1,613 of those filed in the trailing 12 months. Reports have come from consumers in 53 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
99.8% of CFPB-forwarded complaints against Upgrade, Inc. get a reply inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, 4.3% closed with the consumer receiving monetary or non-monetary relief.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Upgrade, Inc. have?
3,977 complaints have been filed against Upgrade, Inc. with the CFPB overall - 1,613 of them in the past year.
Does Upgrade, Inc. respond to complaints on time?
99.8% of the CFPB complaints against Upgrade, Inc. get a response within the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Upgrade, Inc.?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Upgrade, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Upgrade, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Upgrade, Inc.; the full issue list with counts is above.
How do I file a complaint against Upgrade, Inc.?
You can file a complaint against Upgrade, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Upgrade, Inc.?
The CFPB has recorded complaints against Upgrade, Inc. from 53 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~3,977)
Also handles Credit reporting or other personal consumer reports
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.