CFPB Consumer Complaint Profile
Perpay, Inc.
What 161 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 161
- Total complaints
- Mid-range
- 118
- Last 12 months
- 100%
- Timely response
- Top decile
- 31
- States affected
The verdict
Perpay, Inc. ranks #1060 of 3,843 financial companies by CFPB complaint volume, with 161 complaints on record. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #1060
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 31
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Perpay, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 28 in 2024 to 96 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2024 | 28 |
| 2025 | 96 |
| 2026year in progress | 37 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Perpay, Inc.
The CFPB Consumer Complaint Database has logged 161 complaints against Perpay, Inc. overall, with 118 of those filed in the trailing 12 months. Reports have come from consumers in 31 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Perpay, Inc.'s timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 3.1% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Perpay, Inc. have?
161 complaints have been filed against Perpay, Inc. with the CFPB overall - 118 of them in the past year.
Does Perpay, Inc. respond to complaints on time?
Perpay, Inc. has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Perpay, Inc.?
The most complained-about product for Perpay, Inc. is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Perpay, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Perpay, Inc.; the full issue list with counts is above.
How do I file a complaint against Perpay, Inc.?
You can file a complaint against Perpay, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Perpay, Inc.?
The CFPB has recorded complaints against Perpay, Inc. from 31 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Perpay, Inc. have?
161 complaints have been filed against Perpay, Inc. with the CFPB overall - 118 of them in the past year.
Does Perpay, Inc. respond to complaints on time?
Perpay, Inc. has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Perpay, Inc.?
The most complained-about product for Perpay, Inc. is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Perpay, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Perpay, Inc.; the full issue list with counts is above.
How do I file a complaint against Perpay, Inc.?
You can file a complaint against Perpay, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Perpay, Inc.?
The CFPB has recorded complaints against Perpay, Inc. from 31 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.