Data / Consumer complaints / Perpay, Inc.
Perpay, Inc.: 299 CFPB consumer complaints in the last 3 years
Perpay, Inc. drew 299 consumer complaints in the CFPB database in the three years to November 6, 2026, and 299 since 2024. The largest group, 143, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 101. The company responded on time to 100.0% of the complaints, and 1.7% closed with monetary or other relief.
SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.
Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in Texas
- 299Complaints, last 3 years
- 299Complaints, all years
- 100.0%Responded on time
- 1.7%Closed with relief
- 8Products
- Sep 24, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 175 |
| 2025 | 96 |
| 2024 | 28 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 143 | 47.8% |
| Debt collection | 61 | 20.4% |
| Credit card | 58 | 19.4% |
| Payday loan, title loan, personal loan, or advance loan | 18 | 6% |
| Checking or savings account | 8 | 2.7% |
| Money transfer, virtual currency, or money service | 7 | 2.3% |
| Prepaid card | 3 | 1% |
| Debt or credit management | 1 | 0.3% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 101 | 33.8% |
| Attempts to collect debt not owed | 36 | 12% |
| Problem with a company's investigation into an existing problem | 27 | 9% |
| Improper use of your report | 22 | 7.4% |
| Problem with a purchase shown on your statement | 12 | 4% |
| Took or threatened to take negative or legal action | 11 | 3.7% |
| False statements or representation | 10 | 3.3% |
| Getting a credit card | 9 | 3% |
| Other features, terms, or problems | 7 | 2.3% |
| Problem with additional add-on products or services | 6 | 2% |
| Charged fees or interest you didn't expect | 5 | 1.7% |
| Credit monitoring or identity theft protection services | 5 | 1.7% |
| Problem when making payments | 5 | 1.7% |
| Trouble using your card | 5 | 1.7% |
| Closing your account | 4 | 1.3% |
| Problem with a lender or other company charging your account | 4 | 1.3% |
| Written notification about debt | 4 | 1.3% |
| Advertising and marketing, including promotional offers | 3 | 1% |
| Fees or interest | 2 | 0.7% |
| Fraud or scam | 2 | 0.7% |
| Managing an account | 2 | 0.7% |
| Problem with a company's investigation into an existing issue | 2 | 0.7% |
| Problem with fraud alerts or security freezes | 2 | 0.7% |
| Unauthorized transactions or other transaction problem | 2 | 0.7% |
| Unexpected or other fees | 2 | 0.7% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 294 | 98.3% |
| Closed with monetary relief | 3 | 1% |
| Closed with non-monetary relief | 2 | 0.7% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 55 | 18.4% |
| Georgia | 27 | 9% |
| Florida | 19 | 6.4% |
| North Carolina | 17 | 5.7% |
| California | 15 | 5% |
| Illinois | 15 | 5% |
| New York | 14 | 4.7% |
| South Carolina | 14 | 4.7% |
| Alabama | 12 | 4% |
| Ohio | 10 | 3.3% |
| Tennessee | 10 | 3.3% |
| Michigan | 8 | 2.7% |
| Indiana | 6 | 2% |
| Mississippi | 6 | 2% |
| New Jersey | 6 | 2% |
| Nevada | 6 | 2% |
| Pennsylvania | 6 | 2% |
| Virginia | 6 | 2% |
| Maryland | 5 | 1.7% |
| Oregon | 4 | 1.3% |
| Arkansas | 3 | 1% |
| Arizona | 3 | 1% |
| Colorado | 3 | 1% |
| Kansas | 3 | 1% |
| Missouri | 3 | 1% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| September 24, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 19, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| September 18, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 18, 2026 | Credit card | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 18, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 17, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 16, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Checking or savings account | Problem with a lender or other company charging your account | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Prepaid card | Problem getting a card or closing an account | Closed with explanation | consumerfinance.gov |
| September 14, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| September 13, 2026 | Credit card | Getting a credit card | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 9, 2026 | Credit card | Getting a credit card | Closed with explanation | consumerfinance.gov |
| September 9, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| September 9, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 7, 2026 | Checking or savings account | Problem caused by your funds being low | Closed with explanation | consumerfinance.gov |
| September 6, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| September 2, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| September 2, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 31, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 30, 2026 | Credit card | Getting a credit card | Closed with explanation | consumerfinance.gov |
| August 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 24, 2026 | Credit card | Getting a credit card | Closed with explanation | consumerfinance.gov |
| August 23, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 23, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 19, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 17, 2026 | Payday loan, title loan, personal loan, or advance loan | Credit monitoring or identity theft protection services | Closed with explanation | consumerfinance.gov |
| August 17, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 14, 2026 | Money transfer, virtual currency, or money service | Unauthorized transactions or other transaction problem | Closed with explanation | consumerfinance.gov |
| August 9, 2026 | Credit card | Other features, terms, or problems | Closed with explanation | consumerfinance.gov |
| August 7, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 5, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 4, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| August 3, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| July 30, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 29, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| July 29, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| July 28, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 23, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 23, 2026 | Credit card | Closing your account | Closed with explanation | consumerfinance.gov |
| July 21, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| July 20, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 18, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 17, 2026 | Credit reporting or other personal consumer reports | Credit monitoring or identity theft protection services | Closed with explanation | consumerfinance.gov |
| July 15, 2026 | Money transfer, virtual currency, or money service | Trouble accessing funds in your mobile or digital wallet | Closed with explanation | consumerfinance.gov |
| July 10, 2026 | Credit card | Problem with fraud alerts or security freezes | Closed with explanation | consumerfinance.gov |
| July 7, 2026 | Money transfer, virtual currency, or money service | Unexpected or other fees | Closed with explanation | consumerfinance.gov |
| July 6, 2026 | Credit card | Trouble using your card | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Debt collection complaints
- Every company with Credit card complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Consumer complaints in Texas
- Consumer complaints in Georgia
- Consumer complaints in Florida
- All consumer complaints
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.