Data / Consumer complaints / Nelson Cruz & Associates LLC
Nelson Cruz & Associates LLC: 151 CFPB consumer complaints in the last 3 years
Nelson Cruz & Associates LLC drew 151 consumer complaints in the CFPB database in the three years to November 6, 2026, and 377 since 2015. The largest group, 135, was about debt collection, and the most common issue was “Took or threatened to take negative or legal action” with 61. The company responded on time to 1.3% of the complaints, and 0.0% closed with monetary or other relief.
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- 151Complaints, last 3 years
- 377Complaints, all years
- 1.3%Responded on time
- 0.0%Closed with relief
- 4Products
- Oct 1, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 55 |
| 2025 | 80 |
| 2024 | 14 |
| 2023 | 57 |
| 2022 | 31 |
| 2021 | 40 |
| 2020 | 31 |
| 2019 | 15 |
| 2018 | 22 |
| 2017 | 11 |
| 2016 | 17 |
| 2015 | 4 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Debt collection | 135 | 89.4% |
| Credit reporting or other personal consumer reports | 14 | 9.3% |
| Debt or credit management | 1 | 0.7% |
| Payday loan, title loan, personal loan, or advance loan | 1 | 0.7% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Took or threatened to take negative or legal action | 61 | 40.4% |
| Attempts to collect debt not owed | 47 | 31.1% |
| Written notification about debt | 12 | 7.9% |
| False statements or representation | 9 | 6% |
| Incorrect information on your report | 7 | 4.6% |
| Communication tactics | 5 | 3.3% |
| Problem with a company's investigation into an existing problem | 4 | 2.6% |
| Improper use of your report | 3 | 2% |
| Confusing or misleading advertising or marketing | 1 | 0.7% |
| Problem with additional add-on products or services | 1 | 0.7% |
| Threatened to contact someone or share information improperly | 1 | 0.7% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Untimely response | 135 | 89.4% |
| Closed with explanation | 16 | 10.6% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 42 | 27.8% |
| California | 27 | 17.9% |
| South Carolina | 11 | 7.3% |
| Arizona | 9 | 6% |
| Ohio | 7 | 4.6% |
| Louisiana | 6 | 4% |
| Mississippi | 6 | 4% |
| Florida | 5 | 3.3% |
| Georgia | 5 | 3.3% |
| Alabama | 4 | 2.6% |
| Kentucky | 4 | 2.6% |
| Michigan | 4 | 2.6% |
| Indiana | 3 | 2% |
| Virginia | 3 | 2% |
| North Carolina | 2 | 1.3% |
| Nebraska | 2 | 1.3% |
| Tennessee | 2 | 1.3% |
| Arkansas | 1 | 0.7% |
| Connecticut | 1 | 0.7% |
| Delaware | 1 | 0.7% |
| Maryland | 1 | 0.7% |
| Minnesota | 1 | 0.7% |
| Missouri | 1 | 0.7% |
| New Jersey | 1 | 0.7% |
| Nevada | 1 | 0.7% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 1, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| September 30, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| September 9, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| August 29, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| August 28, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| August 27, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| August 26, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| August 24, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| August 24, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| August 23, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Untimely response | consumerfinance.gov |
| August 18, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| August 7, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| July 30, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| July 14, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| June 26, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| June 7, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| May 29, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| May 26, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| May 22, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| May 15, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| May 11, 2026 | Debt or credit management | Confusing or misleading advertising or marketing | Untimely response | consumerfinance.gov |
| May 8, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| May 8, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| May 6, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| May 4, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| April 24, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| April 17, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| April 13, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| April 11, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| April 10, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| April 3, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| March 31, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| March 30, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| March 28, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| March 24, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| March 14, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| March 6, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| March 3, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| February 27, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| February 20, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| February 20, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| February 19, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| February 4, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| February 2, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| January 29, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| January 24, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| January 15, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| January 14, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| January 14, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| January 13, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
Also on SpecStream
- Every company with Debt collection complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Debt or credit management complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Consumer complaints in Texas
- Consumer complaints in California
- Consumer complaints in South Carolina
- All consumer complaints
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.