# Upward Financial Inc.: 21 CFPB complaints, last 3 years

Updated November 10, 2026.

Upward Financial Inc. drew 21 consumer complaints in the CFPB database in the three years to November 9, 2026, and 21 since 2026. The largest group, 9, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 6. The company responded on time to 100.0% of the complaints, and 38.1% closed with monetary or other relief.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

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.

- Complaints, last 3 years: 21
- Complaints, all years: 21
- Responded on time: 100.0%
- Closed with relief: 38.1%
- Products: 6
- Latest received: Oct 6, 2026

## Complaints by year

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

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 21 |

## 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](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports) | 9 | 42.9% |
| [Credit card](https://specstream.ai/data/consumer-complaints/product/credit-card) | 4 | 19% |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 4 | 19% |
| [Money transfer, virtual currency, or money service](https://specstream.ai/data/consumer-complaints/product/money-transfer-virtual-currency-or-money-service) | 2 | 9.5% |
| [Debt or credit management](https://specstream.ai/data/consumer-complaints/product/debt-or-credit-management) | 1 | 4.8% |
| [Prepaid card](https://specstream.ai/data/consumer-complaints/product/prepaid-card) | 1 | 4.8% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Incorrect information on your report | 6 | 28.6% |
| Attempts to collect debt not owed | 2 | 9.5% |
| Closing your account | 2 | 9.5% |
| Getting a credit card | 2 | 9.5% |
| Problem with a company's investigation into an existing problem | 2 | 9.5% |
| False statements or representation | 1 | 4.8% |
| Improper use of your report | 1 | 4.8% |
| Other service problem | 1 | 4.8% |
| Problem with a purchase or transfer | 1 | 4.8% |
| Problem with customer service | 1 | 4.8% |
| Unauthorized transactions or other transaction problem | 1 | 4.8% |
| Written notification about debt | 1 | 4.8% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 13 | 61.9% |
| Closed with non-monetary relief | 8 | 38.1% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Florida](https://specstream.ai/data/consumer-complaints/state/florida) | 6 | 28.6% |
| [Pennsylvania](https://specstream.ai/data/consumer-complaints/state/pennsylvania) | 3 | 14.3% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 3 | 14.3% |
| [Arkansas](https://specstream.ai/data/consumer-complaints/state/arkansas) | 1 | 4.8% |
| [California](https://specstream.ai/data/consumer-complaints/state/california) | 1 | 4.8% |
| [Maryland](https://specstream.ai/data/consumer-complaints/state/maryland) | 1 | 4.8% |
| [New Jersey](https://specstream.ai/data/consumer-complaints/state/new-jersey) | 1 | 4.8% |
| [New York](https://specstream.ai/data/consumer-complaints/state/new-york) | 1 | 4.8% |
| [South Carolina](https://specstream.ai/data/consumer-complaints/state/south-carolina) | 1 | 4.8% |
| [South Dakota](https://specstream.ai/data/consumer-complaints/state/south-dakota) | 1 | 4.8% |
| [Tennessee](https://specstream.ai/data/consumer-complaints/state/tennessee) | 1 | 4.8% |
| [Virginia](https://specstream.ai/data/consumer-complaints/state/virginia) | 1 | 4.8% |

## Latest 21 complaints

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

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| October 6, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/29237149) |
| September 24, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/28144434) |
| August 30, 2026 | Debt collection | Written notification about debt | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/26105923) |
| August 19, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/25521027) |
| August 16, 2026 | Debt collection | False statements or representation | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/25423918) |
| August 13, 2026 | Prepaid card | Problem with a purchase or transfer | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/25321215) |
| August 13, 2026 | Money transfer, virtual currency, or money service | Unauthorized transactions or other transaction problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/25288969) |
| July 31, 2026 | Money transfer, virtual currency, or money service | Other service problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/24804202) |
| July 30, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/24766220) |
| July 19, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/24363546) |
| June 23, 2026 | Credit card | Getting a credit card | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23502398) |
| June 22, 2026 | Credit card | Closing your account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23430233) |
| June 16, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23240372) |
| June 4, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/22872781) |
| May 11, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/22088748) |
| March 25, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20598353) |
| February 17, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19562368) |
| February 10, 2026 | Credit card | Getting a credit card | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19371769) |
| February 2, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19172870) |
| January 24, 2026 | Credit card | Closing your account | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18982774) |
| January 7, 2026 | Debt or credit management | Problem with customer service | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18533003) |

## Also on SpecStream

- [Every company with Credit reporting or other personal consumer reports complaints](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports)
- [Every company with Credit card complaints](https://specstream.ai/data/consumer-complaints/product/credit-card)
- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Every company with Money transfer, virtual currency, or money service complaints](https://specstream.ai/data/consumer-complaints/product/money-transfer-virtual-currency-or-money-service)
- [Consumer complaints in Florida](https://specstream.ai/data/consumer-complaints/state/florida)
- [Consumer complaints in Pennsylvania](https://specstream.ai/data/consumer-complaints/state/pennsylvania)
- [Consumer complaints in Texas](https://specstream.ai/data/consumer-complaints/state/texas)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/). 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](https://creativecommons.org/licenses/by/4.0/).