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 2026-08-14
- 3,977
- Total complaints
- Among the highest
- 1,613
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 53
- States affected
The verdict
3,977 CFPB complaints put Upgrade, Inc. at #129 out of 3,843 financial companies ranked by complaint volume. It posts a 99.8% on-time response rate, the 79th percentile among companies with 100+ complaints.
- #129
- of 3,843 companies by volume
- 99.8%
- on time (79th pctile)
- Credit reporting or …
- most-complained product
- 53
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Upgrade, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 755 in 2024 to 1,480 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
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 |
| 2026year in progress | 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.
CFPB-forwarded complaints against Upgrade, Inc. draw a 99.8% reply rate 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, the consumer-relief closure rate is 4.3%.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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?
CFPB complaints against Upgrade, Inc. draw a 99.8% timely-response rate inside 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Upgrade, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (3,977 here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
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?
CFPB complaints against Upgrade, Inc. draw a 99.8% timely-response rate inside 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.