CFPB · Single-product concentration
Perfection Collection
333 CFPB complaints · 85.3% in "Debt collection" · top issue Attempts to collect debt not owed.
Perfection Collection: 85.3% of 333 CFPB complaints sit in "Debt collection". Timely 98.2% · relief 0.6%. Allegations, not findings.
- Single-product concentration
- -76.9% filings 2016 to 2021
CFPB relief outcome brief
CCDB company perfection-collection
0.6% relief · 98.2% timely · 333 filings · Debt collection
Same-product relief peers
Nearest relief peer: Credit Corp Solutions Inc. (0.6% relief)
Perfection Collection closes 0.6% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Perfection Collection scores strongest on timely response (97/100 percentile-benchmarked) and weakest on relief provided (3/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
3 / 100 percentile-benchmarked
0.6% of complaints closed with relief to the consumer
Timely response
97 / 100 percentile-benchmarked
98.2% of complaints answered inside the CFPB 15-day window
Closed with explanation
87 / 100 percentile-benchmarked
93.1% of complaints closed with an explanation to the consumer
Most of Perfection Collection's 333 filings include narrative text
57.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Perfection Collection complaint mix by product
- Debt collection 284 85.3% – 1% relief
- Credit reporting, 48 14.4% – 0% relief
- Credit reporting 1 0.3% – 0% relief
How Perfection Collection's 333 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 284 |
| Credit reporting, credit repair services, or other personal consumer reports | 48 |
| Credit reporting | 1 |
Where Perfection Collection complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 14.7% of this company's filings
Perfection Collection falling annual filings
Annual filing volume from the CFPB public database
- 2021
- 3
- -76.9% vs 2016
Top States
| State | Complaints |
|---|---|
| TX | 49 |
| FL | 35 |
| NY | 22 |
| GA | 20 |
| NC | 16 |
| IL | 15 |
| MD | 13 |
| VA | 13 |
| TN | 12 |
| OH | 10 |
| AZ | 9 |
| CA | 9 |
| SC | 8 |
| NJ | 7 |
| MS | 7 |
| LA | 6 |
| CO | 6 |
| OK | 6 |
| MA | 6 |
| WA | 5 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 145 |
| Written notification about debt | 53 |
| Took or threatened to take negative or legal action | 28 |
| Incorrect information on your report | 27 |
| False statements or representation | 26 |
| Problem with a credit reporting company's investigation into an existing problem | 17 |
| Disclosure verification of debt | 10 |
| Cont'd attempts collect debt not owed | 10 |
| Communication tactics | 9 |
| Improper use of your report | 3 |
| Threatened to contact someone or share information improperly | 3 |
| Credit monitoring or identity theft protection services | 1 |
| Incorrect information on credit report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 13 | 53.8% |
| 2017 | 59 | 100% |
| 2018 | 126 | 100% |
| 2019 | 99 | 100% |
| 2020 | 33 | 100% |
| 2021 | 3 | 100% |
Source: CFPB Consumer Complaint Database
Perfection Collection filings cluster in one product
Perfection Collection's 333 logged complaints stay concentrated: only 39 states show a filing. 57.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2021-05-03.
Perfection Collection answers 98.2% of complaints inside the CFPB's tracked window and closes 93.1% with a written explanation. 0.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Perfection Collection.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Perfection Collection: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 333.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.2%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Perfection Collection (98.2% timely; 0.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration