Objective

The objective of this analysis is to explore and analyze the latest CFPB Consumer Complaint Database to uncover trends and insights.

Dataset Description

This dataset contains consumer complaints about financial products and services submitted to the Consumer Financial Protection Bureau (CFPB). It includes information such as the product involved, the issue, the company, and the consumer's narrative.

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.

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.

  More Details

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.

This dataset is essentially a 4 year snap shot of complaints filed with the Consumer Financial Protection Bureau ranging from January 2019 to January 2, 2023. It has information that is expected such as dates, companies, products and sub products, issues, states and zipcodes, and consumer complaint narratives. I was originally interested in this dataset because the CFPB heavily regulates the mortgage industry, a field I am in currently. Upon sifting through this mountain of data I quickly was presented with numerous opportunities for further analysis projects. Maybe opportunities will present themselves to you too.

The Interagency Data Inventory is a product of the Data Committee of the Financial Stability Oversight Council (FSOC). The inventory catalogs the data collected by FSOC member agencies. The inventory contains information — metadata — about each data collection. It does not contain the underlying datasets. For each data collection, the inventory has basic information, such as a brief description of the collection, collecting organization, and the name and number of the form used to collect the data.The inventory may be used for identifying data gaps and for improving research and analysis to understand threats and vulnerabilities in the financial system.The inventory was first published in 2014 and has been updated each year.The new columns of information added in the 2019 update are described in the “Terms and Definitions” tab of the Excel file. Some of these columns are not relevant to all collections or are populated at the discretion of each organization that supplied the information.Some of the underlying data referenced in the inventory may not be public data due to the data’s proprietary or supervisory confidential nature.

This dataset provides access to data about general purpose credit cards, which are open-end loans used by consumers to pay for day-to-day expenses, finance purchases, or provide cash advances. ***Microdata: YesLevel of Analysis: Local - FIPS CodeVariables Present: Yes - separate documentFile Layout: .csvCodebook: Yes Methods: General Overview https://www.consumerfinance.gov/data-research/consumer-credit-trends/Weights (with appropriate documentation): NoPublications: NoAggregate Data: No

BackgroundWhere the data come fromThe Mortgage Performance Trends data come from the NMDB, a joint project we’ve undertaken with the Federal Housing Finance Agency (FHFA). For more information, visit the NMDB program page .The core data in the NMDB come from data maintained by one of the top three nationwide credit repositories. The NMDB has a nationally representative, 5 percent sample of all outstanding, closed-end, first-lien, 1–4 family residential mortgages.The data and analyses presented herein are the sole product of the CFPB. Use of information downloaded from our website, and any alteration or representation regarding such information by a party, is the responsibility of such party.Why the data matterMortgage delinquency rates reflect the health of the mortgage market, and the health of the overall economy.The 30–89 mortgage delinquency rate is a measure of early stage delinquencies. It generally captures borrowers that have missed one or two payments. This rate can be an early indicator of mortgage market health. However, this rate is seasonally volatile and sensitive to temporary economic shocks.The 90–day delinquency rate is a measure of serious delinquencies. It generally captures borrowers that have missed three or more payments. This rate measures more severe economic distress.PrivacyThe Mortgage Performance Trends data have many protections in place to protect personal identity. Before the CFPB or the FHFA receive any data for the NMDB, all records are stripped of information that might reveal a consumer’s identity, such as names, addresses, and Social Security numbers. All data shown are aggregated by state, metropolitan statistical area, or county.

The Credit Card Agreements (CCA) database includes credit card agreements from more than 600 card issuers. These agreements include general terms and conditions, pricing, and fee information and are collected quarterly pursuant to requirements in the CARD Act. This dataset includes data for the years 2020-2024.

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.

As required by the Credit CARD Act of 2009, we collect information annually from credit card issuers who have marketing agreements with universities, colleges, or affiliated organizations such as alumni associations, sororities, fraternities, and foundations.

The Consumer Financial Protection Bureau’s (CFPB’s) Making Ends Meet (MEM) survey program is a general financial survey conducted regularly by the Office of Research at the CFPB. The surveys cover financial decision-making, perceptions, expectations, well-being, marketing and usage of different consumer finance products. This public use file (PUF) consists of surveys from the initial Making Ends Meet sample in 2019 (Sample 1) as well as surveys from all samples from 2022 forward (Sample 3 and later).The CFPB has released information and research based on these surveys and the related credit panel data for the last several years and is now making the data from the surveys public. These public use files also include select credit panel variables for the respondents to the 2019 survey and its follow-up surveys in 2020 and 2021. (Later surveys do not have credit variables.) These data will allow researchers to compare consumers’ financial status along several dimensions, including financial wellbeing, difficulty paying bills and expenses, and ability to cover expenses following income loss.The data is divided into folders by sample numbers. Also included is a user's manual with information about the survey and codebook. The parameters for the different samples are listed in the user's manual.

Debt Collection Complaints (India)

Investigating the Consumer Experience

By Lewis Kirvan [source]

About this dataset

The Consumer Financial Protection Bureau (CFPB) Complaint Database is a treasure trove of over 675,845 complaints, demonstrating the issues that accompany consumer financial products and services. Dating back to July 2011, this data has been used to help connect consumers with the companies they need in order to rectify various debt and lending problems. By analysing this data, CFPB can pinpoint trends in the marketplace which will allow them to do a better job in enforcing federal consumer financial laws as well as provide insight for rule writing.

This comprehensive dataset contains all manner of information about each complaint - from date of submission and product it regards, through to how the company responded and whether or not the consumer disputed that response. It also contains additional details such as location (ZIP code and state) as well particular tags associated with each complaint. Above all else, though, it includes an intimate account of what happened from the perspective of the customer themselves - something which provides context and invaluable insight into their experience of dealing with these large companies.

With this wealth of data at our fingertips we have been able to uncover some truly eye-opening results about both our economy’s banking systems - giving us an understanding far deeper than ever before about how big businesses interact with their customers when it comes time for repayment or loans management.. Furthermore since these details regarding specific complaints are so detailed we can be sure that any conclusions reached are more accurate than ever before!

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How to use the dataset

Research Ideas

• Utilizing this dataset to analyze and visualize customer trends in financial services industries, such as identifying issues related to mortgages, credit cards and bank accounts; or tracking how complaints differ by geographical location or product type.
• Leveraging the data to create interactive complaint dashboards that provide insights on customer satisfaction levels with different companies. This could be expanded into a predictive model which extrapolates future customer satisfaction trends based on historical complaints data.
• Predictive analytics that utilize this data set to identify at risk customers before they submit a complaint, through classifying users based on demographics, products used and past interactions with the company's website/services

Acknowledgements

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

License

License: Dataset copyright by authors - You are free to: - Share - copy and redistribute the material in any medium or format for any purpose, even commercially. - Adapt - remix, transform, and build upon the material for any purpose, even commercially. - You must: - Give appropriate credit - Provide a link to the license, and indicate if changes were made. - ShareAlike - You must distribute your contributions under the same license as the original. - Keep intact - all notices that refer to this license, including copyright notices.

Columns

File: full_dataset.csv | Column name | Description | |:---------------------------------|:--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | Date received | The date the complaint was received by the CFPB. (Date) | | Product | The type of product the complaint is about. (Text) | | Sub-product | The specific sub-product the complaint is about. (Text) | | Issue | The issue the cons...

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

The 2017 National Financial Well-Being in America Survey, conducted for the CFPB Offices of Financial Education and Financial Protection for Older Americans, was an online survey conducted to measure the financial well-being of adults in the United States. These data were created as a foundation for internal and external research into financial well-being and are relevant to work being done by researchers in the Office of Research who have access to the (deidentified) data.

This dashboard provides access to data about student loans, which are closed-end loans to finance consumers' education, originated both by the federal government and by private lenders.

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.

Use this dataset to classify what product or service a complaint is pointing to, given the complaint narrative provided by the customer. Link: https://catalog.data.gov/dataset/consumer-complaint-database

dspoka/cfpb dataset hosted on Hugging Face and contributed by the HF Datasets community

CFPB 1033 Open Banking Rule Compliance Market Outlook

According to our latest research, the global CFPB 1033 Open Banking Rule Compliance market size reached USD 2.1 billion in 2024, driven by the rapid evolution of open banking frameworks and increasing regulatory mandates across financial sectors. The market is experiencing robust expansion, registering a CAGR of 15.4% from 2025 to 2033. By 2033, the market is projected to attain a value of USD 6.2 billion, reflecting heightened adoption of compliance solutions and digital transformation initiatives within the financial services ecosystem. The primary growth factor is the rising emphasis on secure data sharing and consumer data rights, as mandated by the CFPB 1033 rule, compelling institutions to invest in advanced compliance technologies.

The growth trajectory of the CFPB 1033 Open Banking Rule Compliance market is underpinned by several transformative factors. A significant driver is the regulatory push for greater transparency and consumer control over financial data, which has led to a surge in demand for robust compliance solutions. Financial institutions are increasingly prioritizing data security and privacy, as breaches and non-compliance can result in severe penalties and reputational damage. The proliferation of fintech innovations and the growing ecosystem of third-party providers have further necessitated the adoption of scalable, interoperable compliance frameworks. This has accelerated the integration of API management, identity and access management, and data aggregation platforms, ensuring seamless and secure data exchange while meeting regulatory requirements.

Another critical growth factor is the digital transformation sweeping through the banking and financial services sector. As consumer expectations for digital-first experiences rise, banks and credit unions are compelled to modernize their infrastructure, leveraging cloud-based compliance solutions for agility and scalability. The CFPB 1033 rule acts as a catalyst for this shift, mandating secure and standardized access to consumer financial data. This regulatory environment has fostered innovation among solution providers, leading to the development of advanced compliance management tools that automate reporting, monitor real-time data flows, and ensure continuous adherence to evolving standards. As a result, organizations are better equipped to manage risks, enhance operational efficiency, and deliver superior customer experiences.

The increasing collaboration between traditional financial institutions and fintech companies is also fueling market growth. Open banking ecosystems thrive on interoperability, and compliance with the CFPB 1033 rule is essential for seamless integration of services. This has led to a burgeoning demand for comprehensive compliance solutions that support multi-channel data access, real-time monitoring, and secure authentication. The competitive landscape is further intensified by the entry of new technology vendors specializing in niche aspects of compliance, such as consent management and regulatory reporting. Collectively, these trends are shaping a dynamic market environment characterized by innovation, regulatory vigilance, and strategic partnerships.

From a regional perspective, North America dominates the CFPB 1033 Open Banking Rule Compliance market due to its advanced financial infrastructure and early regulatory adoption. However, Europe and Asia Pacific are emerging as key growth regions, driven by parallel regulatory initiatives and the rapid digitalization of financial services. Latin America and the Middle East & Africa are gradually catching up, with increasing investments in fintech and open banking frameworks. The global market is thus witnessing a convergence of regulatory, technological, and competitive forces, paving the way for sustained growth and innovation over the forecast period.

Solution Type Analysis

The solution type segment in the CFPB 1033 Open Banking Rule Compliance market is pivotal, encompassing API Management, Data Aggregation, Identity and Access Management, Compliance Management, and other specialized tools. API management solutions have become foundational, enabling secure, standardized data access and efficient integration between banks, fintechs, and third-party providers. As open banking mandates require seamless and real-time data exchange, robust API management platforms ensure compliance w

HMDA Data PublicationThe HMDA data and reports are the most comprehensive publicly available information on mortgage market activity. The data and reports can be used along with the Census demographic information for data analysis purposes. Available below are the data and reports for HMDA data collected in or after 2017. For HMDA data and reports for prior years, visit https://www.ffiec.gov/hmda/hmdaproducts.htm.For information about changes to HMDA Publications visit the Updates and Notes page.