CFPB Consumer Complaint Profile
Nelson Cruz & Associates LLC
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 341
- Total complaints
- Above average
- 90
- Last 12 months
- 46%
- Timely response
- Bottom decile
- 39
- States affected
The verdict
Nelson Cruz & Associates LLC ranks #639 of 3,843 financial companies by CFPB complaint volume. Its on-time response record is at the 3rd percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Nelson Cruz & Associates LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
46% Among the lowest higher than 3% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 14 in 2024 to 80 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 4 |
| 2016 | 17 |
| 2017 | 11 |
| 2018 | 22 |
| 2019 | 15 |
| 2020 | 31 |
| 2021 | 40 |
| 2022 | 31 |
| 2023 | 57 |
| 2024 | 14 |
| 2025 | 80 |
| 2026year in progress | 19 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Nelson Cruz & Associates LLC
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Nelson Cruz & Associates LLC, with consumers across the country filing against it. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is far under the 95% benchmark, a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Nelson Cruz & Associates LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (12% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Nelson Cruz & Associates LLC have?
The CFPB has logged 341 complaints against Nelson Cruz & Associates LLC to date, of which 90 came in over the last 12 months.
Does Nelson Cruz & Associates LLC respond to complaints on time?
CFPB complaints against Nelson Cruz & Associates LLC draw a 46% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Nelson Cruz & Associates LLC?
Among all products tied to Nelson Cruz & Associates LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Nelson Cruz & Associates LLC?
The most common issue reported by consumers about Nelson Cruz & Associates LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Nelson Cruz & Associates LLC?
You can file a complaint against Nelson Cruz & Associates LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Nelson Cruz & Associates LLC?
Consumers in 39 states and territories have filed complaints about Nelson Cruz & Associates LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.