Southwest Credit Systems, L.P.
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
CFPB collection forwarding receipt
Forwarded record DC-SOUTHWEST-CREDIT-S Southwest Credit Systems, L.P.
6,035 DC complaints · rank #15/656 · 95.9% timely
- DC 6,035
- RANK #15/656
- TIMELY 95.9%
- RELIEF 38.9%
- DISPUTE 16.4%
- STATES 56
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Spring Oaks Capital, LLC
Volume peers
Photo peer: Spring Oaks Capital, LLC (5,842)
Southwest Credit Systems, L.P.'s 6,035 debt-collection complaints sit next to Spring Oaks Capital, LLC (5,842) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Southwest Credit Systems, L… →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 30 |
| 2014 | 118 |
| 2015 | 249 |
| 2016 | 356 |
| 2017 | 508 |
| 2018 | 417 |
| 2019 | 285 |
| 2020 | 533 |
| 2021 | 694 |
| 2022 | 520 |
| 2023 | 661 |
| 2024 | 912 |
| 2025 | 1,877 |
| 2026 | 356 |
Complaints by State (Top 15)
What the CFPB Record Shows for Southwest Credit Systems, L.P.
PlainCredit places Southwest Credit Systems, L.P. at #15 of 656 debt collectors by CFPB debt-collection complaint volume (98th percentile), matching the Collectors directory ranking. The CFPB has logged 6,035 debt-collection complaints against Southwest Credit Systems, L.P., 80.3% of the 7,516 complaints filed against this entity overall. Consumers in 56 states and territories have filed reports, putting this collection operation in nationwide territory by complaint volume. The most common debt type behind these complaints is "Other debt," which is the category consumers most often describe when they file a CFPB report about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
Within the Bureau's 15-day response window, this company answers 95.9% of forwarded complaints. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. Of resolved cases, 38.9% closed with monetary or non-monetary relief to the consumer, which is a relatively high relief ratio for the debt-collection segment. The response was formally disputed in 16.4% of resolved cases, indicating how frequently the initial fix fell short.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for Southwest Credit Systems, L.P. → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Southwest Credit Systems, L.P.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (6,035 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (16.4% here).
Frequently asked questions
How many CFPB debt-collection complaints does Southwest Credit Systems, L.P. have?
Southwest Credit Systems, L.P. has 6,035 debt-collection complaints in the CFPB Consumer Complaint Database, ranking #15 of 656 collectors by that volume.
Does Southwest Credit Systems, L.P. respond to CFPB complaints on time?
Southwest Credit Systems, L.P.'s timely response rate on CFPB complaints is 95.9%.
What issue do consumers cite most about Southwest Credit Systems, L.P.?
The most-cited issue in complaints about Southwest Credit Systems, L.P. is "Attempts to collect debt not owed."
How should I read Southwest Credit Systems, L.P.'s CFPB complaint record?
Treat the counts as a public complaint record, not a credit score or legal finding. Pair this page with PlainCredit guides on debt-collection rights and how to file a CFPB complaint if you have an active dispute.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.