CFPB · Single-product concentration
SG and Associates
449 CFPB complaints · 76.4% in "Debt collection" · top issue Attempts to collect debt not owed.
SG and Associates: 76.4% of 449 CFPB complaints sit in "Debt collection". Timely 59% · relief 0.2%. Allegations, not findings.
- Single-product concentration
- +2650% filings 2020 to 2026
CFPB relief outcome brief
CCDB company sg-and-associates
0.2% relief · 59% timely · 449 filings · Debt collection
Same-product relief peers
Nearest relief peer: NCB Management Services Inc. (0.2% relief)
SG and Associates closes 0.2% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
SG and Associates scores strongest on closed with explanation (94/100 percentile-benchmarked) and weakest on relief provided (1/100), 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
1 / 100 percentile-benchmarked
0.2% of complaints closed with relief to the consumer
Timely response
28 / 100 percentile-benchmarked
59% of complaints answered inside the CFPB 15-day window
Closed with explanation
94 / 100 percentile-benchmarked
96.9% of complaints closed with an explanation to the consumer
How 449 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.
SG and Associates complaint mix by product
- Debt collection 343 76.4% – 0% relief
- Credit reporting 74 16.5% – 0% relief
- Credit reporting, 27 6.0% – 0% relief
- Payday loan, 3 0.7% – 0% relief
- Credit card 1 0.2% – 0% relief
- Debt or 1 0.2% – 0% relief
How SG and Associates's 449 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 343 |
| Credit reporting or other personal consumer reports | 74 |
| Credit reporting, credit repair services, or other personal consumer reports | 27 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Credit card or prepaid card | 1 |
| Debt or credit management | 1 |
Nationwide filing states for SG and Associates
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 34.1% of this company's filings
SG and Associates rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 110
- +2650% vs 2020
Top States
| State | Complaints |
|---|---|
| TX | 153 |
| FL | 48 |
| GA | 40 |
| CA | 20 |
| NC | 20 |
| NY | 17 |
| PA | 15 |
| OH | 11 |
| IN | 10 |
| IL | 9 |
| AL | 8 |
| MI | 8 |
| TN | 7 |
| AZ | 7 |
| SC | 6 |
| MD | 6 |
| LA | 5 |
| MO | 4 |
| DC | 4 |
| VA | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 128 |
| Took or threatened to take negative or legal action | 90 |
| Written notification about debt | 50 |
| Incorrect information on your report | 47 |
| False statements or representation | 40 |
| Improper use of your report | 28 |
| Communication tactics | 25 |
| Problem with a company's investigation into an existing problem | 16 |
| Threatened to contact someone or share information improperly | 8 |
| Problem with a credit reporting company's investigation into an existing problem | 8 |
| Electronic communications | 2 |
| Struggling to pay your loan | 2 |
| Getting a credit card | 1 |
| Problem with the payoff process at the end of the loan | 1 |
| Problem with fraud alerts or security freezes | 1 |
| Confusing or missing disclosures | 1 |
| Credit monitoring or identity theft protection services | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 4 | 100% |
| 2021 | 28 | 78.6% |
| 2022 | 51 | 52.9% |
| 2023 | 53 | 84.9% |
| 2024 | 65 | 93.8% |
| 2025 | 138 | 54.3% |
| 2026 | 110 | 28.2% |
Source: CFPB Consumer Complaint Database
SG and Associates filings cluster in one product
SG and Associates's 449 logged complaints reach a nationwide footprint - 45 states have at least one filing. Only 34.1% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2020 through 2026-06-25.
SG and Associates answers 59% of complaints inside the CFPB's tracked window and closes 96.9% with a written explanation. 0.2% 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 SG and Associates.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for SG and Associates: 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: 449.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 59%.
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 SG and Associates (59% timely; 0.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration