Credit reporting
Upstart: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 166
- Closed with money back
- 0%
- 2023 to 2025
- 34 to 88
Servicemembers filed 8.1% of Upstart's 2,038 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 34 in 2023 to 88 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 60 |
| Payday loan, title loan, personal loan, or advance loan | 52 |
| Debt collection | 26 |
| Credit reporting, credit repair services, or other personal consumer reports | 11 |
| Payday loan, title loan, or personal loan | 11 |
By issue
| Incorrect information on your report | 41 |
| Improper use of your report | 24 |
| Charged fees or interest you didn't expect | 18 |
| Problem when making payments | 11 |
| Problem with a company's investigation into an existing problem | 10 |
| 2023: 34 | 2024: 44 | 2025: 88 |
Which accounts, specifically
| Credit reporting | 74 |
| Installment loan | 53 |
| Personal line of credit | 11 |
| I do not know | 10 |
| Other debt | 8 |
What went wrong, specifically
| Reporting company used your report improperly | 19 |
| Account status incorrect | 18 |
| Information belongs to someone else | 10 |
| Their investigation did not fix an error on your report | 10 |
| Account information incorrect | 9 |
Busiest month: January 2025, with 18 servicemember complaints. Most were submitted by web.
Most complaints came from TX (30), CA (19), FL (9) , then GA, VA, LA.
How Upstart answered
| Closed with explanation | 166 | 100% |
Upstart responded within the CFPB's 15-day window on 99% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Payday loan, title loan, personal loan, or advance loan; Problem with the payoff process at the end of the loan. AZ, 2024-08-30. Outcome: Closed with explanation. Complaint 9953914
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Credit reporting or other personal consumer reports; Improper use of your report. GA, 2024-08-25. Outcome: Closed with explanation. Complaint 9909561
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Payday loan, title loan, personal loan, or advance loan; Problem with additional add-on products or services. TN, 2024-08-19. Outcome: Closed with explanation. Complaint 9849824
If this is your problem at Upstart
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: Upstart SCRA: Email scrabenefits@upstart.com, 10-Day Response.
Compare with credit reporting peers
- Fc HoldCo 174 servicemember complaints; 0% with money back
- CashRepublic 149 servicemember complaints; 1% with money back
- Global Lending Services 188 servicemember complaints; 0% with money back
- Consumer Portfolio Services 146 servicemember complaints; 0% with money back
- MoneyLion 189 servicemember complaints; 6% with money back
Next in the directory by volume: Aldous & Associates, Lakeview Loan Servicing, Acima Credit.
Frequently asked questions
How many complaints did servicemembers file against Upstart?
166 complaints tagged servicemember were received by the CFPB about Upstart Holdings, Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 34 in 2023 to 88 in 2025.
What do servicemembers complain about most at Upstart?
Credit reporting or other personal consumer reports accounts for 60 of the 166 complaints, and the most common issue is "Incorrect information on your report" (41). Next: "Improper use of your report" (24).
Does Upstart give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 166 closed with an explanation only. Upstart answered 99% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.