Companies › Credit reporting or other personal consumer reports
Who is complaining aboutUPGRADE, INC.?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
1,848
1,246 in the 12 months before · 4,918 since 2017 · under 0.1% of all complaints the CFPB received
For its size
No public size denominator
This company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its count cannot be scaled here. Read the count with the company's customer base in mind.
Consumers sent the Consumer Financial Protection Bureau 1,848 complaints about UPGRADE, INC. in the 12 months to 1 Oct 2026, up 48% on the 1,246 of the 12 months before. The database holds 4,918 complaints about the company going back to 2017.
UPGRADE, INC. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer.
36.4% of the complaints in that period fall under the CFPB product category “Credit reporting or other personal consumer reports”, followed by “Debt collection” at 35.7%. The issue selected most often was “Incorrect information on your report” (26.1%).
How the company's responses were recorded over the 12 months: 97.4% closed with an explanation, 0.2% closed with non-monetary relief, 0.4% closed with monetary relief, and 2% still in progress when the file was published. 99.9% of responses were marked timely; the median among the 132 companies whose complaints mainly concern “Credit reporting or other personal consumer reports” is 99.9%.
Among those 132 peer companies the median received 146 complaints in the same 12 months. A complaint is a consumer's account and is not a finding against the company; the CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 1 Oct 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
| Measure | UPGRADE, INC. | Peer median (132 companies) | All complaints nationally |
|---|---|---|---|
| Complaints, last 12 months | 1,848 | 146 | 6,945,592 |
| Change on the 12 months before | 48% | 26% | 44% |
| Responses marked timely | 99.9% | 99.9% | 99.6% |
| Closed with monetary or non-monetary relief | 0.6% | 0% | 31.5% |
Peers are the 132 companies on this site whose largest complaint category is Credit reporting or other personal consumer reports and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, in the last 12 months.
- Credit reporting or other personal consumer reports673 · 36.4%
- Debt collection659 · 35.7%
- Payday loan, title loan, personal loan, or advance loan274 · 14.8%
- Checking or savings account145 · 7.8%
- Credit card76 · 4.1%
- All other categories21 · 1.1%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 482 | 26.1% |
| Took or threatened to take negative or legal action | 350 | 18.9% |
| Attempts to collect debt not owed | 201 | 10.9% |
| Problem with a company's investigation into an existing problem | 157 | 8.5% |
| Managing an account | 113 | 6.1% |
| Improper use of your report | 104 | 5.6% |
| Problem when making payments | 59 | 3.2% |
| Written notification about debt | 51 | 2.8% |
| Charged fees or interest you didn't expect | 43 | 2.3% |
| Problem with the payoff process at the end of the loan | 41 | 2.2% |
| Other CFPB issue categories | 247 | 13.4% |
Credit reporting or other personal consumer reports
673 complaints in the last 12 months (36.4% of this company's total); 545 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 0.4% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 427 | 63.4% |
| Problem with a company's investigation into an existing problem | 132 | 19.6% |
| Improper use of your report | 103 | 15.3% |
| Credit monitoring or identity theft protection services | 6 | 0.9% |
| Problem with fraud alerts or security freezes | 4 | 0.6% |
| Other CFPB issue categories | 1 | 0.1% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 668 | 99.3% |
| Other personal consumer report | 5 | 0.7% |
Debt collection
659 complaints in the last 12 months (35.7% of this company's total); 306 in the 12 months before. That is 0.2% of all complaints in the category nationally. 0% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Took or threatened to take negative or legal action | 350 | 53.1% |
| Attempts to collect debt not owed | 201 | 30.5% |
| Written notification about debt | 51 | 7.7% |
| False statements or representation | 40 | 6.1% |
| Communication tactics | 13 | 2% |
| Other CFPB issue categories | 4 | 0.6% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| I do not know | 571 | 86.6% |
| Credit card debt | 39 | 5.9% |
| Other debt | 35 | 5.3% |
| Payday loan debt | 10 | 1.5% |
| Telecommunications debt | 2 | 0.3% |
| Other or no sub-product recorded | 2 | 0.3% |
Payday loan, title loan, personal loan, or advance loan
274 complaints in the last 12 months (14.8% of this company's total); 168 in the 12 months before. That is 1.5% of all complaints in the category nationally. 1.9% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Problem when making payments | 56 | 20.4% |
| Incorrect information on your report | 47 | 17.2% |
| Charged fees or interest you didn't expect | 43 | 15.7% |
| Problem with the payoff process at the end of the loan | 41 | 15% |
| Getting the loan | 27 | 9.9% |
| Other CFPB issue categories | 60 | 21.9% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Installment loan | 214 | 78.1% |
| Personal line of credit | 46 | 16.8% |
| Payday loan | 12 | 4.4% |
| Earned wage access | 2 | 0.7% |
Checking or savings account
145 complaints in the last 12 months (7.8% of this company's total); 107 in the 12 months before. That is 0.2% of all complaints in the category nationally. 1.5% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing an account | 113 | 77.9% |
| Closing an account | 13 | 9% |
| Problem with a lender or other company charging your account | 8 | 5.5% |
| Opening an account | 5 | 3.4% |
| Problem caused by your funds being low | 5 | 3.4% |
| Other CFPB issue categories | 1 | 0.7% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 131 | 90.3% |
| Savings account | 11 | 7.6% |
| Other banking product or service | 3 | 2.1% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints in the last 12 months.
- Closed with explanation1,800 · 97.4%
- In progress37 · 2%
- Closed with monetary relief8 · 0.4%
- Closed with non-monetary relief3 · 0.2%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Texas | 266 | 14.4% |
| California | 236 | 12.8% |
| Florida | 216 | 11.7% |
| Illinois | 93 | 5% |
| Georgia | 84 | 4.5% |
| North Carolina | 78 | 4.2% |
| New York | 70 | 3.8% |
| Pennsylvania | 69 | 3.7% |
| New Jersey | 69 | 3.7% |
| Arizona | 54 | 2.9% |
| Ohio | 50 | 2.7% |
| Virginia | 49 | 2.7% |
Top 12 of 48 states with at least one complaint in the last 12 months. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Credit reporting or other personal consumer reports, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about UPGRADE, INC.?
1,848 in the 12 months to 1 Oct 2026 (1,246 in the 12 months before that) and 4,918 since 2017. 38 arrived in the last 30 days and 281 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
UPGRADE, INC. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
36.4% of complaints in the last 12 months are filed under “Credit reporting or other personal consumer reports”. The issues selected most often were “Incorrect information on your report” (26.1%), “Took or threatened to take negative or legal action” (18.9%), “Attempts to collect debt not owed” (10.9%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does UPGRADE, INC. respond to complaints?
97.4% were closed with an explanation, 0.2% with non-monetary relief and 0.4% with monetary relief; 99.9% of responses were timely (peer median 99.9%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 1 Oct 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. No size measure: the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.