The Consumer Complaint Database is a collection of complaints about consumer financial products and services that we sent to companies for response. Complaints are published after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. Complaints referred to other regulators, such as complaints about depository institutions with less than $10 billion in assets, are not published in the Consumer Complaint Database. The database generally updates daily.

The Consumer Complaint Database is a collection of complaints about consumer financial products and services that we sent to companies for response. Complaints are published after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. Complaints referred to other regulators, such as complaints about depository institutions with less than $10 billion in assets, are not published in the Consumer Complaint Database.This database is not a statistical sample of consumers’ experiences in the marketplace. Complaints are not necessarily representative of all consumers’ experiences and complaints do not constitute “information” for purposes of the Information Quality Act . Complaint volume should be considered in the context of company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers. We encourage you to pair complaint data with public and private datasets for additional context. The Bureau publishes the consumer’s narrative description of his or her experience if the consumer opts to share it publicly and after the Bureau removes personal information. We don’t verify all the allegations in complaint narratives. Unproven allegations in consumer narratives should be regarded as opinion, not fact. We do not adopt the views expressed and make no representation that consumers’ allegations are accurate, clear, complete, or unbiased in substance or presentation. Users should consider what conclusions may be fairly drawn from complaints alone.This public dataset is hosted in Google BigQuery and is included in BigQuery's 1TB/mo of free tier processing. Each user receives 1TB of free BigQuery processing every month, which can be used to run queries on this public dataset. Watch this short video to learn how to get started quickly using BigQuery to access public datasets. What is BigQuery

CFPB Complaints

A dataset of 7M complaints from the Consumer Financial Protection Bureau (CFPB), from 12/01/2011 to 01/02/2025. For descriptions of each column, please see consumerfinance.gov/complaint/data-use.

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A description from the CFPB website:

The Consumer Complaint Database is a collection of complaints about consumer financial products and services that we sent to companies for response. Complaints are published after the company responds, confirming… See the full description on the dataset page: https://huggingface.co/datasets/davidheineman/consumer-finance-complaints-large.

Each week we send thousands of consumers' complaints about financial products and services to companies for response. Complaints are listed in the database after the company responds or after they’ve had the complaint for 15 calendar days, whichever comes first.

We publish the consumer’s description of what happened if the consumer opts to share it and after taking steps to remove personal information. See our Scrubbing Standard for more details

We don’t verify all the facts alleged in these complaints, but we take steps to confirm a commercial relationship. We may remove complaints if they don’t meet all of the publication criteria. Data is generally refreshed nightly. Company level information should be considered in context of company size and/or market share.

More about the Consumer Complaint Database | How we use complaint data | Technical documentation

Consumer Complaint Database from CFPB

Each week we send thousands of consumers’ complaints about financial products and services to companies for response. Those complaints are published here after the company responds or after 15 days, whichever comes first. By adding their voice, consumers help improve the financial marketplace.

These are complaints we’ve received about financial products and services.

Inequalities in Financial Services

Bank Accounts and Credit Cards

By Dataquest [source]

About this dataset

Explore the world of consumer finance with this dataset from the Consumer Financial Protection Bureau. This data set includes a rich compilation of detailed bank and credit card customer complaints and provides an invaluable insight into customer experiences in the financial sector. With over [number] records spanning across [date stream], this data set is ideal for researchers, policymakers, financial institutions and anyone looking to learn more about consumer finance.

For each record in the dataset, you'll find details such as date received, product name, issue category, consumer complaint narrative, company response to customer enquiries, state origin of complaint (where appropriate) , even tags associated with the complaint. You can also uncover how timely the company responded to customer query usingthe Timely Response? field or whether customers disputed a firm's reply with Consumer Disputed? field. Utilizing all these features along with deep analysis can aid businesses in creating better consumer experiences prepared explainable models on root causes responsible for issues like disputes or late-responses ultimately leadingtoindustrywidepolicy change that benefit customers alike. Enjoyed exploring data? Hop online to check out additional records available at https://www.consumerfinance.gov/data-research/consumer-complaints/#download-the-data . This dataset is released under Public Domain Licensing Info which meant everyone’s free access!

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How to use the dataset

It is important to note that some fields are optional and missing values are expected for those fields due to how many data points had been reported at time of collection. It can be beneficial to list all unrecorded information separately for comparison considerations if relevant for your research needs.

The data points found within this dataset can not only help you explore differences between experiences based on non-similar factors such as age but also broaden understanding into more specific discussions such as identifying racial disparities in access new types of technology like mobile banking applications versus traditional forms like checks or savings accounts. By using this tool along with other sources of information you should be able create a comprehensive picture regarding both individual's differences experiences in addition broader trends applicable across large swaths impacted people on both local and national levels. These findings could then be used potentially lead positive changes into institutions responsible providing us with these services over time alongside continued evaluation if growth has effectively occurred .

Research Ideas

• Identifying states and specific areas with the highest number of financial complaints to target education and awareness initiatives.
• Analyzing trends in complaint investigations to improve customer service response times and accuracy rates.
• Developing a machine learning model that can accurately predict if a company will respond to a financial complaint in a timely manner

Acknowledgements

If you use this dataset in your research, please credit the original authors. Data Source

License

Unknown License - Please check the dataset description for more information.

Columns

File: Bank_Account_or_Service_Complaints.csv | Column name | Description | |:---------------------------------|:------------------------------------------------------------------------------------| | Date received | The date the complaint was received by the CFPB. (Date) | | Product | The type of financial product or service the complaint is related to. (Text) | | Sub-product | The sub-category of the product the complaint is related to. (Text) | | Issue | The issue the consumer is complaining about. (Text) | | Sub-issue | The sub-category of the issue the consumer is complaining about. (Text) | | Consumer complaint narrative | The narrative of the complaint provided by the consumer. (Text) | | Company public response | The public response from the company regarding the complaint. (Text) ...