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 2026-05-15
- 7,516
- Total complaints
- 1,809
- Last 12 months
- 95.9%
- Timely response
- 56
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Southwest Credit Systems, L.P. has accumulated 7,516 complaints, placing it #81 by volume. It answers 95.9% of complaints on time - above the 93% median for companies with 100+ complaints.
- #81
- of 3,848 companies by volume
- 95.9%
- answered on time
- Debt collection
- most-complained product
- 56
- 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 |
|---|---|
| 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)
Company Responses
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. answers 95.9% of 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 was formally disputed in 16.4% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 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 (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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~7,516)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.