CFPB Consumer Complaint Profile
Shepherd Outsourcing, LLC
Behind the 437 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 437
- Total complaints
- 286
- Last 12 months
- 99.8%
- Timely response
- 45
- States affected
The verdict
Shepherd Outsourcing, LLC ranks #544 of 3,848 financial companies by CFPB complaint volume, with 437 complaints on record. 99.8% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #544
- of 3,848 companies by volume
- 99.8%
- answered on time
- Debt collection
- most-complained product
- 45
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2024 | 87 |
| 2025 | 270 |
| 2026 | 80 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Shepherd Outsourcing, LLC
437 complaints against Shepherd Outsourcing, LLC appear in the CFPB record, including 286 from the trailing year. The 45 states and territories represented put this footprint in nationwide territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Shepherd Outsourcing, LLC's timely response rate stands at 99.8%, 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. 0% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 Shepherd Outsourcing, LLC have?
The CFPB has logged 437 complaints against Shepherd Outsourcing, LLC to date, of which 286 came in over the last 12 months.
Does Shepherd Outsourcing, LLC respond to complaints on time?
Shepherd Outsourcing, LLC's CFPB timely-response rate is 99.8%. That is a strong response record by CFPB standards.
What product generates the most complaints for Shepherd Outsourcing, LLC?
Among all products tied to Shepherd Outsourcing, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Shepherd Outsourcing, LLC?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Shepherd Outsourcing, LLC - see all issues and counts above.
How do I file a complaint against Shepherd Outsourcing, LLC?
You can file a complaint against Shepherd Outsourcing, LLC 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 Shepherd Outsourcing, LLC?
The CFPB has recorded complaints against Shepherd Outsourcing, LLC from 45 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~437)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.