Credit bureau · complaint record
Upstart complaints
Filed under Upstart Holdings, Inc.
Consumers have filed 3,745 complaints about Upstart since 2015, 1,485 of them in the last 12 months (+43% on the year before). It answered 99.9% on time and closed 1% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 23rd most complained-about of 566 credit bureaus & report companies this year.
Average response record. How it works
- Complaints on record
- 3,745
- Last 12 months
- 1,485
- Answered on time
- 99.9%
- Closed with relief
- 1%
- Last 30 days
- 101
- Rank
- #23 of 566
Since August 2015
+43% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 13, 2026
Most complained-about credit bureaus & report companies
Upstart complaints by month
The busiest month was June 2026 (152 complaints). Complaints in the last 12 months are up 43% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Upstart answered last 12 months
- Closed with monetary relief110.7%
- Closed with non-monetary relief20.1%
- Closed with explanation1,40494.5%
- In progress684.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/4599.9% on time
- Relief for customers1/400.9% closed with relief
- Complaint trend6/15+43% vs last year
What Upstart complaints are about
Top Upstart problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 347
- Account status incorrect 335
- Information belongs to someone else 266
- Old information reappears or never goes away 23
- Information is missing that should be on the report 13
- Public record information inaccurate 8
Where Upstart complaints come from
Most complaints: California (504), Texas (458), Florida (341), New York (256), Georgia (202).
Upstart compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Global Lending ServicesCredit reporting | 56 | 1,853 | C |
| 2 | GM FinancialCredit reporting | 57 | 1,800 | C |
| 3 | UpgradeCredit reporting | 53 | 1,776 | C |
| 4 | LCI AcquisitionCredit reporting | 48 | 1,486 | D |
| 5 | UpstartCredit reporting | 52 | 1,485 | C |
| 6 | National Consumer Telecom & Utilities ExchangeCredit reporting | 45 | 1,374 | D |
| 7 | Central ResearchCredit reporting | 45 | 1,193 | D |
| 8 | MoneyLionCredit reporting | 47 | 1,091 | D |
Compare side by side: Upstart vs Global Lending Services · Upstart vs GM Financial · Upstart vs Upgrade · Upstart vs LCI Acquisition
What people say about Upstart
All experiencesNo experiences with Upstart yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Upstart complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Payday & personal loans | Getting the loan | In progress |
| Nov 12, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | In progress |
| Nov 12, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 12, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | In progress |
| Nov 11, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 10, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | In progress |
| Nov 10, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | In progress |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
Questions about Upstart
How many complaints does Upstart have?
Upstart has 3,745 complaints on record since August 2015, including 1,485 in the last 12 months and 101 in the last 30 days. That makes it number 94 of every company by complaints this year.
Does Upstart respond to complaints?
Yes. Upstart answered 99.9% of its complaints on time (within 15 days) and closed 1% with relief - money back or a fix; 0.8% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 52/100 (grade C).
What do people complain about most with Upstart?
The most common problems are incorrect information on your report (997), took or threatened to take negative or legal action (446), problem with a company's investigation into an existing problem (342).
Is Upstart legit?
Upstart is a real company with a public complaint record: consumers have complained about it 3,745 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Upstart legit? for the signals, red flags and how to protect yourself.
Are complaints about Upstart going up or down?
Up. There were 1,485 complaints in the last 12 months against 1,035 in the 12 before (+43%). See every month.
How do I file a complaint against Upstart?
Complain to Upstart in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Upstart complaints come from?
Most come from California (504), Texas (458), Florida (341). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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