Nelson Cruz & Associates LLC
362 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.
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Nelson Cruz & Associates LLC
Nelson Cruz & Associates LLC's 362 logged complaints stay concentrated: only 39 states show a filing on record. 43.6% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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 Nelson Cruz & Associates LLC have?
362, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Nelson Cruz & Associates LLC respond to complaints on time?
43.4% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Nelson Cruz & Associates LLC?
"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.