CFPB Consumer Complaint Profile
Southwest Credit Systems, L.P.
7,516 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 7,516
- Total complaints
- Among the highest
- 1,809
- Last 12 months
- 95.9%
- Timely response
- Below median
- 56
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Southwest Credit Systems, L.P. has accumulated 7,516 complaints, placing it #81 by volume. It posts a 95.9% on-time response rate, the 33rd percentile among companies with 100+ complaints.
- #81
- of 3,843 companies by volume
- 95.9%
- on time (33rd pctile)
- Debt collection
- most-complained product
- 56
- 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.
Southwest Credit Systems, L.P. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.9% Around the middle higher than 33% 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 912 in 2024 to 1,877 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 |
|---|---|
| 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 |
| 2026year in progress | 356 |
Complaints by State (Top 15)
Company Responses
Southwest Credit Systems, L.P. Complaint Concentration Profile
Southwest Credit Systems, L.P. is a high-volume CFPB cohort (7,516 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 31 named product lines in the stored breakdown, the leading three (Debt collection, Debt collection, Debt collection) hold a 67.7% share of product-tagged complaints. The Herfindahl index on that product mix is 0.199 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Attempts to collect debt not owed, Written notification about debt, Incorrect information on your report) cover a 62.3% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, Florida, Pennsylvania) hold a 32.2% share of state-tagged volume across 56 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 56.0% share among the 7,516 response-tagged complaints (4,207 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (1,877 complaints); the lightest year on file was 2013 (30). From 2024 to 2025, annual volume rose 105.8% (912 → 1,877). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Southwest Credit Systems, L.P.
Southwest Credit Systems, L.P. carries 7,516 complaints in the CFPB's database, 1,809 of them filed within the past 12 months. Consumers spanning 56 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. 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.
Within the Bureau's 15-day response window, Southwest Credit Systems, L.P. posts a 95.9% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 16.4% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 38.9% closed with some form of monetary or non-monetary relief to 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, 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 Southwest Credit Systems, L.P. have?
The CFPB has logged 7,516 complaints against Southwest Credit Systems, L.P. to date, of which 1,809 came in over the last 12 months.
Does Southwest Credit Systems, L.P. respond to complaints on time?
Southwest Credit Systems, L.P. has a 95.9% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Southwest Credit Systems, L.P.?
Among all products tied to Southwest Credit Systems, L.P., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Southwest Credit Systems, L.P.?
The most common issue reported by consumers about Southwest Credit Systems, L.P. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Southwest Credit Systems, L.P.?
You can file a complaint against Southwest Credit Systems, L.P. 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 Southwest Credit Systems, L.P.?
Southwest Credit Systems, L.P. has drawn CFPB complaints from 56 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Southwest Credit Systems, L.P.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (7,516 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (16.4% here).
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.