CFPB · Narrative-heavy record
Western-Shamrock Corporation
373 CFPB complaints · 45.6% with narratives · top issue Struggling to pay your loan.
Western-Shamrock Corporation: 45.6% of 373 filings include consumer narratives. Timely 98.4% · relief 8.3% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- +253.8% filings 2014 to 2026
CFPB relief outcome brief
CCDB company western-shamrock-corporation
8.3% relief · 98.4% timely · 373 filings · Debt collection
Same-product relief peers
Nearest relief peer: Southwest Collection Services Inc. (8.2% relief)
Western-Shamrock Corporation closes 8.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Western-Shamrock Corporation's 373 filings include narrative text
45.6% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Western-Shamrock Corporation complaint mix by product
- Debt collection 157 42.8% – 7% relief
- Payday loan, 52 14.2% – 8% relief
- Credit reporting 49 13.4% – 12% relief
- Payday loan, 46 12.5% – 9% relief
- Credit reporting, 34 9.3% – 15% relief
- Consumer Loan 23 6.3% – 0% relief
- Payday loan 6 1.6% – 0% relief
How Western-Shamrock Corporation's 373 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 157 |
| Payday loan, title loan, or personal loan | 52 |
| Credit reporting or other personal consumer reports | 49 |
| Payday loan, title loan, personal loan, or advance loan | 46 |
| Credit reporting, credit repair services, or other personal consumer reports | 34 |
| Consumer Loan | 23 |
| Payday loan | 6 |
| Mortgage | 2 |
| Credit card or prepaid card | 2 |
| Bank account or service | 1 |
| Vehicle loan or lease | 1 |
Concentrated filing states for Western-Shamrock Corporation
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 61.1% of this company's filings
Western-Shamrock Corporation rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 46
- +253.8% vs 2014
Top States
| State | Complaints |
|---|---|
| TX | 228 |
| OK | 42 |
| GA | 30 |
| SC | 18 |
| MO | 13 |
| NM | 12 |
| TN | 7 |
| AL | 6 |
| NC | 3 |
| LA | 2 |
| NJ | 1 |
| FL | 1 |
| MI | 1 |
| AR | 1 |
| AZ | 1 |
| KS | 1 |
| IL | 1 |
| MA | 1 |
| CO | 1 |
| CA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay your loan | 43 |
| Incorrect information on your report | 43 |
| Attempts to collect debt not owed | 37 |
| Communication tactics | 34 |
| Took or threatened to take negative or legal action | 29 |
| Improper use of your report | 29 |
| Written notification about debt | 23 |
| Problem when making payments | 23 |
| Problem with a company's investigation into an existing problem | 15 |
| Threatened to contact someone or share information improperly | 13 |
| Problems when you are unable to pay | 13 |
| Problem with a credit reporting company's investigation into an existing problem | 10 |
| Charged fees or interest you didn't expect | 9 |
| Cont'd attempts collect debt not owed | 6 |
| Improper contact or sharing of info | 6 |
| Getting the loan | 4 |
| False statements or representation | 4 |
| Can't contact lender | 4 |
| Managing the loan or lease | 4 |
| Disclosure verification of debt | 4 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 13 | 92.3% |
| 2015 | 11 | 100% |
| 2016 | 26 | 88.5% |
| 2017 | 26 | 92.3% |
| 2018 | 24 | 100% |
| 2019 | 24 | 100% |
| 2020 | 16 | 100% |
| 2021 | 29 | 100% |
| 2022 | 23 | 100% |
| 2023 | 19 | 100% |
| 2024 | 37 | 100% |
| 2025 | 79 | 100% |
| 2026 | 46 | 100% |
Source: CFPB Consumer Complaint Database
Western-Shamrock Corporation's narrative-rich complaint ledger
Western-Shamrock Corporation's 373 logged complaints stay concentrated: only 20 states show a filing. 45.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-24.
Western-Shamrock Corporation answers 98.4% of complaints inside the CFPB's tracked window and closes 88.2% with a written explanation. 8.3% 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 "Struggling to pay your loan."
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 Western-Shamrock Corporation.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Western-Shamrock Corporation: 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: 373.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.4%.
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 Western-Shamrock Corporation (98.4% timely; 8.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record