What is the most common complaint against Upstart Holdings, Inc.?

The most common issue consumers report about Upstart Holdings, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 865 complaints filed with the CFPB.

Are complaints against Upstart Holdings, Inc. increasing or decreasing?

Complaints against Upstart Holdings, Inc. are rising. The company received 575 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Upstart Holdings, Inc.'s reputation grade?

Upstart Holdings, Inc. has a reputation grade of F (score: 46.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Upstart Holdings, Inc. respond to consumer complaints?

Upstart Holdings, Inc. has a 99% timely response rate to CFPB complaints.

In how many states does Upstart Holdings, Inc. operate?

Upstart Holdings, Inc. has received CFPB complaints from consumers in 43 states, with the most complaints from California (123 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Upstart Holdings, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 43 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

402
Attempts to collect debt not owed

244
False statements or representation

88
Written notification about debt

77
Communication tactics

30
Threatened to contact someone or share information improperly

14

Data updated September 2026

CFPB complaint disposition

CCDB record upstart-holdings-inc Upstart Holdings, Inc.

Grade F · 865 CFPB filings · 99% timely · lead issue: Took or threatened to take negative or legal action · vol #174 · compose #4467

VOL 865
GRADE F
12MO 575
STATES 43
TIMELY 99%
ISSUE Took or threatened to take…
RANK #174
COMPOSE #4,467

Volume peers

Nearest volume peer: GLA Collection Company, Inc. (863 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Upstart Holdings, Inc.'s 865 CFPB complaints sit next to GLA Collection Company, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Upstart Holdings, Inc. spreads filings across 43 states - California leads at only 14.2%

Despite a broad state map, Upstart Holdings, Inc. still sits volume #174 against composite #4,467 - the two RankMaps diverge by 4,293 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 14.2% across 43 states
Seasonal peak: 2025-10 9.9%; 8–15% band · 14 filings
Divergent corpus ranks: #174 volume; #4,467 composite; Cleanest-composite ladder is 4,293 places worse than volume

How does Upstart Holdings, Inc. compare to its peers?

How does Upstart Holdings, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Upstart Holdings, Inc. National average

Complaints (last 12 mo)lower is better

575

134

268

Timely-response ratehigher is better

99%

91%

Consumer-dispute ratelower is better

28%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	402
Attempts to collect debt not owed	244
False statements or representation	88
Written notification about debt	77
Communication tactics	30
Threatened to contact someone or share information improperly	14
Electronic communications	10

Where do complaints against Upstart Holdings, Inc. come from?

Upstart Holdings, Inc.'s own per-state count, not a national baseline.

California

123
Texas

120
Florida

64
New York

58
North Carolina

57
Arizona

55
Georgia

55
Illinois

26

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Upstart Holdings, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 865.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.14040114613181%.

4 peers

Know your rights before responding to Upstart Holdings, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.