CFPB · Single-product concentration
Nelson Cruz & Associates LLC
362 CFPB complaints · 83.1% in "Debt collection" · top issue Attempts to collect debt not owed.
Nelson Cruz & Associates LLC: 83.1% of 362 CFPB complaints sit in "Debt collection". Timely 43.4% · relief 1.1%. Allegations, not findings.
- Single-product concentration
- +900% filings 2015 to 2026
CFPB relief outcome brief
CCDB company nelson-cruz-associates-llc
1.1% relief · 43.4% timely · 362 filings · Debt collection
Same-product relief peers
Nearest relief peer: AmeriCollect (1.1% relief)
Nelson Cruz & Associates LLC closes 1.1% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Nelson Cruz & Associates LLC scores strongest on closed with explanation (31/100 percentile-benchmarked) and weakest on timely response (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
5 / 100 percentile-benchmarked
1.1% of complaints closed with relief to the consumer
Timely response
1 / 100 percentile-benchmarked
43.4% of complaints answered inside the CFPB 15-day window
Closed with explanation
31 / 100 percentile-benchmarked
62.4% of complaints closed with an explanation to the consumer
Most of Nelson Cruz & Associates LLC's 362 filings include narrative text
43.6% 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.
Nelson Cruz & Associates LLC complaint mix by product
- Debt collection 301 83.4% – 1% relief
- Credit reporting, 40 11.1% – 0% relief
- Credit reporting 15 4.2% – 0% relief
- Student loan 2 0.6% – 0% relief
- Payday loan, 1 0.3% – 0% relief
- Debt or 1 0.3% – 0% relief
- Credit card 1 0.3% – 0% relief
How Nelson Cruz & Associates LLC's 362 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 301 |
| Credit reporting, credit repair services, or other personal consumer reports | 40 |
| Credit reporting or other personal consumer reports | 15 |
| Student loan | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Debt or credit management | 1 |
| Credit card | 1 |
| Credit card or prepaid card | 1 |
Where Nelson Cruz & Associates LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 21.5% of this company's filings
Nelson Cruz & Associates LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 40
- +900% vs 2015
Top States
| State | Complaints |
|---|---|
| TX | 78 |
| CA | 56 |
| GA | 24 |
| FL | 19 |
| OH | 18 |
| SC | 15 |
| AZ | 12 |
| VA | 10 |
| NC | 9 |
| MI | 8 |
| LA | 8 |
| NY | 8 |
| PA | 7 |
| MS | 7 |
| TN | 7 |
| MO | 6 |
| AL | 6 |
| KY | 6 |
| AR | 5 |
| IN | 5 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 97 |
| Took or threatened to take negative or legal action | 89 |
| Written notification about debt | 43 |
| Incorrect information on your report | 32 |
| False statements or representation | 23 |
| Communication tactics | 22 |
| Improper use of your report | 11 |
| Threatened to contact someone or share information improperly | 10 |
| Problem with a credit reporting company's investigation into an existing problem | 8 |
| Cont'd attempts collect debt not owed | 8 |
| Taking/threatening an illegal action | 8 |
| Problem with a company's investigation into an existing problem | 3 |
| Dealing with your lender or servicer | 2 |
| Problem with additional add-on products or services | 1 |
| Confusing or misleading advertising or marketing | 1 |
| Identity theft / Fraud / Embezzlement | 1 |
| Improper contact or sharing of info | 1 |
| Problem with a purchase shown on your statement | 1 |
| Fraud or scam | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 4 | 100% |
| 2016 | 17 | 58.8% |
| 2017 | 11 | 90.9% |
| 2018 | 22 | 77.3% |
| 2019 | 15 | 86.7% |
| 2020 | 31 | 41.9% |
| 2021 | 40 | 95% |
| 2022 | 31 | 80.6% |
| 2023 | 57 | 43.9% |
| 2024 | 14 | 7.1% |
| 2025 | 80 | 1.3% |
| 2026 | 40 | 0% |
Source: CFPB Consumer Complaint Database
Nelson Cruz & Associates LLC filings cluster in one product
Nelson Cruz & Associates LLC's 362 logged complaints stay concentrated: only 39 states show a filing. 43.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-06-07.
Nelson Cruz & Associates LLC answers 43.4% of complaints inside the CFPB's tracked window and closes 62.4% with a written explanation. 1.1% 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 Nelson Cruz & Associates LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Nelson Cruz & Associates LLC: 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: 362.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 43.4%.
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 Nelson Cruz & Associates LLC (43.4% timely; 1.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration