CFPB Consumer Complaint Profile
Upstart Holdings, Inc.
What 2,794 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 2,794
- Total complaints
- Among the highest
- 1,242
- Last 12 months
- 98.3%
- Timely response
- Above median
- 53
- States affected
The verdict
2,794 CFPB complaints put Upstart Holdings, Inc. at #165 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 98.3%, the 51st percentile for the 100+ complaint peer group.
- #165
- of 3,843 companies by volume
- 98.3%
- on time (51st pctile)
- Credit reporting or …
- most-complained product
- 53
- states with complaints
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.
Upstart Holdings, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.3% Higher than most higher than 51% 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 517 in 2024 to 1,125 in 2025 (2024 → 2025).
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 |
|---|---|
| 2015 | 2 |
| 2017 | 9 |
| 2018 | 13 |
| 2019 | 25 |
| 2020 | 58 |
| 2021 | 126 |
| 2022 | 179 |
| 2023 | 396 |
| 2024 | 517 |
| 2025 | 1,125 |
| 2026year in progress | 344 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Upstart Holdings, Inc.
Upstart Holdings, Inc. carries 2,794 complaints in the CFPB's database, 1,242 of them filed within the past 12 months. Consumers spanning 53 states and territories have weighed in, giving this a nationwide footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. 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 Upstart Holdings, Inc. draw a 98.3% 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. The company's response carried a 25% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0.5%.
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 Upstart Holdings, Inc. have?
Upstart Holdings, Inc. has 2,794 total consumer complaints filed with the CFPB, with 1,242 filed in the last 12 months.
Does Upstart Holdings, Inc. respond to complaints on time?
Upstart Holdings, Inc. has a 98.3% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Upstart Holdings, Inc.?
The most complained-about product for Upstart Holdings, Inc. is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Upstart Holdings, Inc.?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Upstart Holdings, Inc. - see all issues and counts above.
How do I file a complaint against Upstart Holdings, Inc.?
You can file a complaint against Upstart Holdings, 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 Upstart Holdings, Inc.?
Upstart Holdings, Inc. has drawn CFPB complaints from 53 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Upstart Holdings, 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 (2,794 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (25% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.