CFPB · Mid-pack CFPB posture
Perpay, Inc.
230 CFPB complaints · 34 states · top issue Incorrect information on your report.
Perpay, Inc. has 230 consumer complaints in the CFPB public database. Timely response is 100%; 2.2% closed with relief; top product Credit reporting or other personal consumer reports. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +278.6% filings 2024 to 2026
CFPB relief outcome brief
CCDB company perpay-inc
2.2% relief · 100% timely · 230 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: CarMax, Inc. (2.2% relief)
Perpay, Inc. closes 2.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Perpay, Inc. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (10/100), 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
10 / 100 percentile-benchmarked
2.2% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
93 / 100 percentile-benchmarked
96.1% of complaints closed with an explanation to the consumer
How 230 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Perpay, Inc. complaint mix by product
- Credit reporting 111 48.5% – 2% relief
- Debt collection 54 23.6% – 2% relief
- Credit card 44 19.2% – 2% relief
- Payday loan, 13 5.7% – 0% relief
- Money transfer, 3 1.3% – 0% relief
- Prepaid card 2 0.9% – 50% relief
- Checking or 2 0.9% – 0% relief
How Perpay, Inc.'s 230 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 111 |
| Debt collection | 54 |
| Credit card | 44 |
| Payday loan, title loan, personal loan, or advance loan | 13 |
| Money transfer, virtual currency, or money service | 3 |
| Prepaid card | 2 |
| Checking or savings account | 2 |
| Debt or credit management | 1 |
Where Perpay, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 18.3% of this company's filings
Perpay, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 106
- +278.6% vs 2024
Top States
| State | Complaints |
|---|---|
| TX | 42 |
| GA | 20 |
| FL | 16 |
| NC | 15 |
| SC | 14 |
| IL | 12 |
| AL | 10 |
| CA | 10 |
| TN | 10 |
| NY | 8 |
| OH | 6 |
| MI | 6 |
| VA | 5 |
| MS | 5 |
| NJ | 5 |
| NV | 5 |
| MD | 5 |
| CO | 4 |
| OR | 4 |
| PA | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 80 |
| Attempts to collect debt not owed | 32 |
| Problem with a company's investigation into an existing problem | 20 |
| Improper use of your report | 18 |
| Took or threatened to take negative or legal action | 10 |
| False statements or representation | 9 |
| Problem with a purchase shown on your statement | 9 |
| Other features, terms, or problems | 6 |
| Getting a credit card | 5 |
| Problem with additional add-on products or services | 5 |
| Trouble using your card | 4 |
| Charged fees or interest you didn't expect | 4 |
| Written notification about debt | 3 |
| Advertising and marketing, including promotional offers | 3 |
| Closing your account | 3 |
| Problem when making payments | 3 |
| Problem with a company's investigation into an existing issue | 2 |
| Credit monitoring or identity theft protection services | 2 |
| Fraud or scam | 2 |
| Fees or interest | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 28 | 100% |
| 2025 | 96 | 100% |
| 2026 | 106 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Perpay, Inc.
Perpay, Inc.'s 230 logged complaints stay concentrated: only 34 states show a filing. Only 30% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2024 through 2026-06-04.
Perpay, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 96.1% with a written explanation. 2.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."
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 Perpay, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Perpay, Inc.: 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: 230.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Perpay, Inc. (100% timely; 2.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture