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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 1,498 |
| 2025 | 1,481 |
| 2024 | 755 |
| 2023 | 572 |
| 2022 | 469 |
| 2021 | 192 |
| 2020 | 47 |
| 2019 | 14 |
| 2018 | 24 |
| 2017 | 2 |
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.
| Product | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 1,489 | 38.8% |
| Debt collection | 1,073 | 28% |
| Payday loan, title loan, personal loan, or advance loan | 585 | 15.3% |
| Checking or savings account | 353 | 9.2% |
| Credit card | 282 | 7.4% |
| Vehicle loan or lease | 27 | 0.7% |
| Money transfer, virtual currency, or money service | 16 | 0.4% |
| Debt or credit management | 6 | 0.2% |
| Mortgage | 1 | 0.1% |
| Prepaid card | 1 | 0.1% |
| Student loan | 1 | 0.1% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 969 | 25.3% |
| Took or threatened to take negative or legal action | 432 | 11.3% |
| Attempts to collect debt not owed | 368 | 9.6% |
| Problem with a company's investigation into an existing problem | 362 | 9.4% |
| Improper use of your report | 299 | 7.8% |
| Managing an account | 275 | 7.2% |
| Problem when making payments | 147 | 3.8% |
| False statements or representation | 109 | 2.8% |
| Written notification about debt | 99 | 2.6% |
| Charged fees or interest you didn't expect | 93 | 2.4% |
| Problem with a purchase shown on your statement | 76 | 2% |
| Problem with the payoff process at the end of the loan | 72 | 1.9% |
| Other features, terms, or problems | 48 | 1.3% |
| Getting the loan | 46 | 1.2% |
| Closing an account | 44 | 1.1% |
| Struggling to pay your loan | 39 | 1% |
| Communication tactics | 38 | 1% |
| Problem with additional add-on products or services | 38 | 1% |
| Closing your account | 26 | 0.7% |
| Trouble using your card | 22 | 0.6% |
| Fees or interest | 21 | 0.5% |
| Getting a credit card | 21 | 0.5% |
| Problem with a lender or other company charging your account | 15 | 0.4% |
| Threatened to contact someone or share information improperly | 15 | 0.4% |
| Getting a line of credit | 14 | 0.4% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 3,729 | 97.3% |
| Closed with monetary relief | 45 | 1.2% |
| In progress | 39 | 1% |
| Closed with non-monetary relief | 21 | 0.5% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 508 | 13.2% |
| California | 495 | 12.9% |
| Florida | 420 | 11% |
| Georgia | 224 | 5.8% |
| Illinois | 193 | 5% |
| New Jersey | 170 | 4.4% |
| North Carolina | 154 | 4% |
| New York | 147 | 3.8% |
| Pennsylvania | 135 | 3.5% |
| Ohio | 110 | 2.9% |
| Virginia | 101 | 2.6% |
| Michigan | 90 | 2.3% |
| Arizona | 88 | 2.3% |
| South Carolina | 70 | 1.8% |
| Alabama | 69 | 1.8% |
| Nevada | 63 | 1.6% |
| Tennessee | 61 | 1.6% |
| Louisiana | 57 | 1.5% |
| Maryland | 54 | 1.4% |
| Indiana | 53 | 1.4% |
| Connecticut | 46 | 1.2% |
| Mississippi | 45 | 1.2% |
| Colorado | 44 | 1.1% |
| Massachusetts | 43 | 1.1% |
| Missouri | 42 | 1.1% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | In progress | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | In progress | consumerfinance.gov |
| October 23, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Checking or savings account | Managing an account | In progress | consumerfinance.gov |
| October 22, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | In progress | consumerfinance.gov |
| October 22, 2026 | Checking or savings account | Managing an account | In progress | consumerfinance.gov |
| October 22, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with non-monetary relief | consumerfinance.gov |
| October 21, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | In progress | consumerfinance.gov |
| October 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 21, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| October 21, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 21, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | In progress | consumerfinance.gov |
| October 20, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | In progress | consumerfinance.gov |
| October 20, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 20, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 19, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 19, 2026 | Checking or savings account | Managing an account | In progress | consumerfinance.gov |
| October 19, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 19, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | In progress | consumerfinance.gov |
| October 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 17, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| October 17, 2026 | Debt collection | Written notification about debt | In progress | consumerfinance.gov |
| October 17, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 16, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 15, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| October 15, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 14, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| October 14, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 14, 2026 | Debt collection | Communication tactics | In progress | consumerfinance.gov |
| October 14, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 14, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 14, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| October 13, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 13, 2026 | Credit reporting or other personal consumer reports | Credit monitoring or identity theft protection services | In progress | consumerfinance.gov |
| October 13, 2026 | Vehicle loan or lease | Getting a loan or lease | In progress | consumerfinance.gov |
| October 13, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 12, 2026 | Credit card | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| October 11, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| October 10, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| October 10, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 9, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 9, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 8, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 8, 2026 | Vehicle loan or lease | Managing the loan or lease | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Debt collection complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Checking or savings account complaints
- Consumer complaints in Texas
- Consumer complaints in California
- Consumer complaints in Florida
- All consumer complaints
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.