Complex terrain is one of the main factors affecting the process of retrieving surface soil moisture using GNSS-R technology. This study evaluates the impact of complex terrain on surface soil moisture inversion using Cyclone Global Navigation Satellite System (CYGNSS) L3 SSM products, with Soil Moisture Active Passive (SMAP) SSM products as the true value. The errors in CYGNSS SSM are primarily attributed to med–high elevation and large relief. Compared with the Soil Moisture and Ocean Salinity (SMOS) and Advanced Microwave Scanning Radiometer 2 (AMSR2) SSM products, CYGNSS exhibits superior performance in terms of AD and RMSE (median AD = −0.10 m³/m³, RMSE = 0.14 m³/m³). The ubRMSE of CYGNSS (median ubRMSE = 0.094 m³/m³) outperforms SMOS, but is slightly worse than AMSR2, with the differences mainly observed in med–high elevation and large-relief regions. The three satellites complement each other in detecting complex terrain. CYGNSS errors (AD, RMSE) are higher in the rainy season than in the dry season, with greater discrepancies observed in large-relief, high-elevation regions compared to flatter, lower-elevation areas. This study provides the first comprehensive analysis of CYGNSS in such a complex region, offering valuable insights for improving the application of GNSS-R inversion technology.