CFPB · Mid-pack CFPB posture
Southern Loans, Inc.
11 CFPB complaints · 1 states · top issue Incorrect information on your report.
Southern Loans, Inc. has 11 consumer complaints in the CFPB public database. Timely response is 72.7%; 0% closed with relief; top product Credit reporting or other personal consumer reports. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +50% filings 2017 to 2026
CFPB relief outcome brief
CCDB company southern-loans-inc
0% relief · 72.7% timely · 11 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Fidelity National Information Services, Inc. (FNIS) (0% relief)
Southern Loans, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Southern Loans, Inc. scores strongest on timely response (52/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
52 / 100 percentile-benchmarked
72.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
50 / 100 percentile-benchmarked
72.7% of complaints closed with an explanation to the consumer
How 11 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Southern Loans, Inc. complaint mix by product
- Credit reporting 5 45.5% – 0% relief
- Payday loan, 3 27.3% – 0% relief
- Debt collection 3 27.3% – 0% relief
How Southern Loans, Inc.'s 11 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 5 |
| Payday loan, title loan, or personal loan | 3 |
| Debt collection | 3 |
Southern Loans, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- +50% vs 2017
Top States
| State | Complaints |
|---|---|
| NC | 11 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 3 |
| Improper use of your report | 2 |
| Loan payment wasn't credited to your account | 1 |
| False statements or representation | 1 |
| Attempts to collect debt not owed | 1 |
| Problem when making payments | 1 |
| Struggling to pay your loan | 1 |
| Communication tactics | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 2 | 100% |
| 2023 | 3 | 100% |
| 2024 | 3 | 100% |
| 2026 | 3 | 0% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Southern Loans, Inc.
Southern Loans, Inc.'s 11 logged complaints stay concentrated: only 1 state shows a filing. Only 27.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2017 through 2026-05-17.
Southern Loans, Inc. answers 72.7% of complaints inside the CFPB's tracked window and closes 72.7% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Southern Loans, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Southern Loans, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 11.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 72.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Southern Loans, Inc. (72.7% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture