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 2026-08-14
- 437
- Total complaints
- Above average
- 286
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 45
- States affected
The verdict
Shepherd Outsourcing, LLC ranks #543 of 3,843 financial companies by CFPB complaint volume, with 437 complaints on record. On-time replies land at 99.8%, the 79th percentile for the 100+ complaint peer group.
- #543
- of 3,843 companies by volume
- 99.8%
- on time (79th pctile)
- Debt collection
- most-complained product
- 45
- states with complaints
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.
Shepherd Outsourcing, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% 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 87 in 2024 to 270 in 2025 (2024 → 2025).
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 |
| 2026year in progress | 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. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% 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 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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.