Southwest Credit Systems, L.P.
7.9K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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
How Southwest Credit Systems, L.P.'s 7.9K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Southwest Credit Systems, L.P.
Southwest Credit Systems, L.P.'s 7,922 logged complaints reach a nationwide footprint - 56 states have at least one filing on record. Only 39.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2013 through 2026-06-26.
Southwest Credit Systems, L.P. answers 96.1% of complaints inside the CFPB's tracked window and closes 53.1% with a written explanation. 41.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "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..
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.
Frequently Asked Questions
How many CFPB complaints does Southwest Credit Systems, L.P. have?
7,922, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Southwest Credit Systems, L.P. respond to complaints on time?
96.1% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Southwest Credit Systems, L.P.?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.