CFPB · Higher closed-with-relief share
Southwest Credit Systems, L.P.
7.9K CFPB complaints · 41.7% relief (high band) · top issue Attempts to collect debt not owed.
Southwest Credit Systems, L.P. closes 41.7% with relief (upper third) on 7.9K filings. Timely 96.1% · top product Debt collection. Allegations, not findings.
- Higher closed-with-relief share
- +2440% filings 2013 to 2026
CFPB relief outcome brief
CCDB company southwest-credit-systems-l-p
41.7% relief · 96.1% timely · 7.9K filings · Debt collection
Same-product relief peers
Nearest relief peer: Medical Society Business Services, Inc. (41.1% relief)
Southwest Credit Systems, L.P. closes 41.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Southwest Credit Systems, L.P. scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (14/100), 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
100 / 100 percentile-benchmarked
41.7% of complaints closed with relief to the consumer
Timely response
93 / 100 percentile-benchmarked
96.1% of complaints answered inside the CFPB 15-day window
Closed with explanation
14 / 100 percentile-benchmarked
53.1% of complaints closed with an explanation to the consumer
How 7.9K 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.
Southwest Credit Systems, L.P. complaint mix by product
- Debt collection 6K 80.3% – 39% relief
- Credit reporting 899 11.4% – 87% relief
- Credit reporting, 612 7.7% – 0% relief
- Credit reporting 28 0.4% – 0% relief
- Debt or 13 0.2% – 85% relief
- Credit card 8 0.1% – 88% relief
- Credit card 3 0.0% – 0% relief
Heavy-volume mix: how Southwest Credit Systems, L.P.'s 7.9K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 6.4K |
| Credit reporting or other personal consumer reports | 899 |
| Credit reporting, credit repair services, or other personal consumer reports | 612 |
| Credit reporting | 28 |
| Debt or credit management | 13 |
| Credit card | 8 |
| Credit card or prepaid card | 3 |
| Money transfer, virtual currency, or money service | 2 |
| Vehicle loan or lease | 1 |
| Bank account or service | 1 |
| Consumer Loan | 1 |
Nationwide filing states for Southwest Credit Systems, L.P.
Top states by attributed volume, heavy-filing company
- Leading state
- TX
- 13.8% of this company's filings
Southwest Credit Systems, L.P. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 762
- +2440% vs 2013
Volume vs. relief
Where Southwest Credit Systems, L.P. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Southwest Credit Systems, L.P. files more complaint volume than 76% of them, and closes complaints with relief more often than 96% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 7,922 · Closed with relief: 41.7%
Top States
| State | Complaints |
|---|---|
| TX | 1.1K |
| FL | 743 |
| PA | 737 |
| CA | 677 |
| GA | 495 |
| MD | 445 |
| NJ | 378 |
| IL | 345 |
| VA | 278 |
| NC | 253 |
| NY | 237 |
| MA | 206 |
| OH | 161 |
| MI | 146 |
| SC | 126 |
| DE | 125 |
| AL | 118 |
| TN | 111 |
| AZ | 105 |
| MO | 96 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 2.8K |
| Written notification about debt | 1.2K |
| Incorrect information on your report | 841 |
| False statements or representation | 599 |
| Took or threatened to take negative or legal action | 572 |
| Cont'd attempts collect debt not owed | 529 |
| Improper use of your report | 367 |
| Communication tactics | 309 |
| Disclosure verification of debt | 203 |
| Problem with a company's investigation into an existing problem | 145 |
| Problem with a credit reporting company's investigation into an existing problem | 131 |
| Electronic communications | 39 |
| Improper contact or sharing of info | 27 |
| Incorrect information on credit report | 26 |
| Threatened to contact someone or share information improperly | 24 |
| Credit monitoring or identity theft protection services | 18 |
| Confusing or misleading advertising or marketing | 7 |
| Taking/threatening an illegal action | 7 |
| Getting a credit card | 6 |
| Problem with a company's investigation into an existing issue | 5 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 30 | 96.7% |
| 2014 | 118 | 99.2% |
| 2015 | 249 | 83.1% |
| 2016 | 356 | 34.3% |
| 2017 | 508 | 95.9% |
| 2018 | 417 | 98.8% |
| 2019 | 285 | 100% |
| 2020 | 533 | 100% |
| 2021 | 694 | 100% |
| 2022 | 520 | 99.8% |
| 2023 | 661 | 99.8% |
| 2024 | 912 | 100% |
| 2025 | 1.9K | 100% |
| 2026 | 762 | 100% |
Source: CFPB Consumer Complaint Database
Southwest Credit Systems, L.P. in the higher-relief third
Southwest Credit Systems, L.P.'s 7,922 logged complaints reach a nationwide footprint - 56 states have at least one filing. Only 39.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-26. Closed-with-relief 41.7% sits in the upper third of the corpus.
Southwest Credit Systems, L.P. closes 41.7% with monetary or non-monetary relief and answers 96.1% inside the CFPB window; 53.1% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Attempts to collect debt not owed."
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 Southwest Credit Systems, L.P..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Southwest Credit Systems, L.P.: 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: 7.9K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 96.1%.
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 Southwest Credit Systems, L.P. (#84 of 342; 96.1% timely; 41.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Higher closed-with-relief share