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Data / Consumer complaints / Upgrade, Inc.

Upgrade, Inc.: 3,834 CFPB consumer complaints in the last 3 years

Upgrade, Inc. drew 3,834 consumer complaints in the CFPB database in the three years to November 6, 2026, and 5,054 since 2017. The largest group, 1,489, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 969. The company responded on time to 99.9% of the complaints, and 1.7% closed with monetary or other relief. The CFPB records the company as UPGRADE, INC..

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 3,834Complaints, last 3 years
  • 5,054Complaints, all years
  • 99.9%Responded on time
  • 1.7%Closed with relief
  • 11Products
  • Oct 23, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 61,498
20251,481
2024755
2023572
2022469
2021192
202047
201914
201824
20172

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Incorrect information on your report96925.3%
Took or threatened to take negative or legal action43211.3%
Attempts to collect debt not owed3689.6%
Problem with a company's investigation into an existing problem3629.4%
Improper use of your report2997.8%
Managing an account2757.2%
Problem when making payments1473.8%
False statements or representation1092.8%
Written notification about debt992.6%
Charged fees or interest you didn't expect932.4%
Problem with a purchase shown on your statement762%
Problem with the payoff process at the end of the loan721.9%
Other features, terms, or problems481.3%
Getting the loan461.2%
Closing an account441.1%
Struggling to pay your loan391%
Communication tactics381%
Problem with additional add-on products or services381%
Closing your account260.7%
Trouble using your card220.6%
Fees or interest210.5%
Getting a credit card210.5%
Problem with a lender or other company charging your account150.4%
Threatened to contact someone or share information improperly150.4%
Getting a line of credit140.4%

How the company responded

Company responseComplaintsShare
Closed with explanation3,72997.3%
Closed with monetary relief451.2%
In progress391%
Closed with non-monetary relief210.5%

States

StateComplaintsShare
Texas50813.2%
California49512.9%
Florida42011%
Georgia2245.8%
Illinois1935%
New Jersey1704.4%
North Carolina1544%
New York1473.8%
Pennsylvania1353.5%
Ohio1102.9%
Virginia1012.6%
Michigan902.3%
Arizona882.3%
South Carolina701.8%
Alabama691.8%
Nevada631.6%
Tennessee611.6%
Louisiana571.5%
Maryland541.4%
Indiana531.4%
Connecticut461.2%
Mississippi451.2%
Colorado441.1%
Massachusetts431.1%
Missouri421.1%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesIn progressconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanIn progressconsumerfinance.gov
October 23, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 23, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 22, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
October 21, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 21, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
October 21, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 21, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 20, 2026Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 20, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountIn progressconsumerfinance.gov
October 20, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 19, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 19, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 19, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 19, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 19, 2026Payday loan, title loan, personal loan, or advance loanProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 17, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 17, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
October 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 16, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 16, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 15, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 15, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 15, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 15, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 14, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
October 14, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionCommunication tacticsIn progressconsumerfinance.gov
October 14, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 14, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 13, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 13, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesIn progressconsumerfinance.gov
October 13, 2026Vehicle loan or leaseGetting a loan or leaseIn progressconsumerfinance.gov
October 13, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 12, 2026Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
October 12, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
October 11, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 10, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 10, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 9, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 9, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 8, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 8, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.