Total CFPB complaints
698
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 698 complaints
Upstart Holdings, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 41 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Upstart Holdings, Inc.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
282 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
206 complaints
- False statements or representation 73
False statements or representation
73 complaints
- Written notification about debt 55
Written notification about debt
55 complaints
- Communication tactics 17
Communication tactics
17 complaints
F
Grade F · 48.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Upstart Holdings, Inc.?
Upstart Holdings, Inc. has accumulated 698 total CFPB complaints across 41 states, with 462 filed in the most recent 12 months against 236 historical complaints before that window. The trailing-12-month volume represents 66.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 41 states, led by California with 101 and Texas with 89, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.6/100 places Upstart Holdings, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
462
66.2% of total history
Rising ↑
States active
41
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Reputation grade
F
48.6/100 composite
Response-quality profile
How Upstart Holdings, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 73.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Upstart Holdings, Inc. compare to its peers?
Upstart Holdings, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action282 (%)
Attempts to collect debt not owed206 (%)
False statements or representation73 (%)
Written notification about debt55 (%)
Communication tactics17 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 270 |
| Attempts to collect debt not owed | Debt is not yours | 106 |
| False statements or representation | Attempted to collect wrong amount | 73 |
| Attempts to collect debt not owed | Debt was result of identity theft | 59 |
| Written notification about debt | Didn't receive enough information to verify debt | 43 |
| Attempts to collect debt not owed | Debt was paid | 30 |
| Communication tactics | Frequent or repeated calls | 17 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 12 |
| Written notification about debt | Didn't receive notice of right to dispute | 12 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 11 |
Where do complaints against Upstart Holdings, Inc. come from?
The states where consumers have filed the most CFPB complaints against Upstart Holdings, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Upstart Holdings, Inc.
Across 41 states with at least one filing
- California
California
101 complaints
- Texas
Texas
89 complaints
- Florida
Florida
53 complaints
- New York
New York
51 complaints
- North Carolina
North Carolina
50 complaints
- Georgia
Georgia
49 complaints
- Arizona 38
Arizona
38 complaints
- Illinois 24
Illinois
24 complaints
Frequently Asked Questions
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 698 complaints filed with the CFPB.
Are complaints against Upstart Holdings, Inc. increasing or decreasing? ▼
Complaints against Upstart Holdings, Inc. are rising. The company received 462 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: 48.6/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 41 states, with the most complaints from California (101 complaints).
What can I do if Upstart Holdings, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Upstart Holdings, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |