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Data / Consumer complaints / Upstart Holdings, Inc. / Credit card

Upstart Holdings, Inc.: 34 CFPB complaints about credit card, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Upstart Holdings, Inc. drew 34 consumer complaints about credit card in the CFPB database in the three years to November 6, 2026, 1.2% of its 2,951 complaints in that time. The most common issue was “Incorrect information on your report”. The company responded on time to 100.0% of them, and 2.9% closed with monetary or other relief.

The request: Watch Upstart Holdings, Inc.: each new CFPB complaint about credit card by issue, with the date and the company response. $10 of work on sign-up, no card.

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  • 34Complaints, last 3 years
  • 1.2%Share of the company's complaints
  • 100.0%Responded on time
  • 2.9%Closed with relief
  • Oct 5, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20261338.2%
12 months to Nov 6, 20251544.1%
12 months to Nov 6, 2024617.6%

Issues

IssueComplaintsShare
Incorrect information on your report1235.3%
Getting a credit card720.6%
Problem with a company's investigation into an existing problem411.8%
Problem when making payments38.8%
Other features, terms, or problems25.9%
Problem with a purchase shown on your statement25.9%
Struggling to pay your bill25.9%
Closing your account12.9%
Improper use of your report12.9%

How the company responded

Company responseComplaintsShare
Closed with explanation3397.1%
Closed with non-monetary relief12.9%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
California1029.4%
Florida720.6%
Illinois38.8%
Texas38.8%
New York25.9%
Alabama12.9%
Arkansas12.9%
Arizona12.9%
Delaware12.9%
Indiana12.9%
Minnesota12.9%
Pennsylvania12.9%
Virginia12.9%
Washington12.9%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
October 5, 2026Credit cardProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 1, 2026Credit cardStruggling to pay your billClosed with explanationconsumerfinance.gov
July 5, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
June 11, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
March 18, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
March 12, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
February 10, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
January 27, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
January 3, 2026Credit cardStruggling to pay your billClosed with explanationconsumerfinance.gov
November 23, 2025Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
November 19, 2025Credit cardProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
November 19, 2025Credit cardProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
November 13, 2025Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
October 22, 2025Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 20, 2025Credit cardProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 9, 2025Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
October 7, 2025Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 25, 2025Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 19, 2025Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 15, 2025Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 15, 2025Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 4, 2025Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 2, 2025Credit cardImproper use of your reportClosed with explanationconsumerfinance.gov
June 30, 2025Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 13, 2025Credit cardIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov

Also on SpecStream

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.