Home › Complaints › Upstart

Upstart complaints

1,504 complaints in the last 12 months · trend ▲ 58.5% (last 12 mo 1,504 vs prior 12 mo 949) · timely response 99.9% (last 36 mo)

Complaints per year

• 202058
• 2021126
• 2022179
• 2023396
• 2024517
• 20251,125
• 2026*1,161

*2026 is year-to-date through 2026-10-12.

Top issues (last 36 months, 2,894 complaints)

• Incorrect information on your report788 (27%)
• Took or threatened to take negative or legal action431 (15%)
• Problem with a company's investigation into an existing problem315 (11%)
• Improper use of your report307 (11%)
• Attempts to collect debt not owed245 (8%)

Products

• Credit reporting or other personal consumer reports1,292
• Debt collection887
• Payday loan, title loan, personal loan, or advance loan573
• Vehicle loan or lease84

How the company responded

• Closed with explanation2,812
• In progress58
• Closed with monetary relief13
• Closed with non-monetary relief10
• Untimely response1

Insurance / charter status

Not an FDIC/NCUA-insured institution itself

CFPB company name(s): Upstart Holdings, Inc.. Brands: Upstart. Data as of 2026-10-12. See it in the CFPB database ↗

CFPB: complaints are not verified and are not a statistical sample; counts track company size and product mix. Per-$1B-deposit rates divide last-12-month complaints by FDIC-reported domestic deposits of the mapped bank, and the CFPB entity can include non-bank products.

All companies →

FAQ

How many complaints does Upstart get?

1,504 CFPB complaints in the 12 months to 2026-10-12.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.