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The CFPB Consumer Complaint Database explained

Last checked 24 October 2026 · 6 sources

Short answer

The Consumer Complaint Database is a public collection of complaints about consumer financial products and services, run by the US Consumer Financial Protection Bureau (CFPB) 1. Only complaints sent to companies for a response are eligible, and they appear after the company responds or after 15 days, whichever comes first 1. The CFPB received more than 6.6 million complaints in 2025, 88% about credit or consumer reporting 2. It says the database is not a statistical sample of consumers' experiences 1.
Publisher
Consumer Financial Protection Bureau 1
Updates
Usually daily 1
Complaints received, 2025
More than 6.6 million 2
Complaints received, 2024
About 3,187,900 3
Timely company responses, 2025
99.6% 2

What the database holds

Each record includes the date received, product, sub-product, issue, sub-issue, company, state, ZIP code, tags, how it was submitted, the date sent to the company, the company's response, whether the response was timely and a complaint ID 4.

The company response field records how the company responded, for example closed with explanation 5. Companies can add an optional public response chosen from a pre-set list of options 4. The CFPB says it does not publish personal information 4.

When a complaint is published

  • The complaint must have been sent to a company for a response 1.
  • It is published after the company responds, confirming a commercial relationship, or after 15 days, whichever comes first 1.
  • Complaints the CFPB refers to other regulators are not published 1.
  • Published records leave out information that directly identifies the consumer 6.

Volumes in 2024 and 2025

In 2024 the CFPB received about 207,800 debt collection complaints, 92,100 credit card complaints and 67,900 checking or savings complaints 3. The 2025 report cites an increase in third parties using the complaint process, including credit repair organizations and those who offer credit advice online and on social media platforms 2.

Measure20242025
Complaints received 3About 3,187,900 3About 6,635,400 2
Sent to companies 3About 2,829,400 (89%) 3About 5,984,100 (90%) 2
Referred to other regulators 33% 33% 2
Found not actionable 38% 37% 2
Credit or consumer reporting 3More than 2.7 million (85%) 3More than 5.8 million (88%) 2
Companies sent complaints 3More than 3,600 3More than 4,000 2

How the CFPB uses complaints

The CFPB says it uses complaint information to monitor risk in financial markets, assess risk at companies and prioritize agency action 3. Its analyses support work to supervise companies, enforce federal consumer financial laws and propose rules 3.

Limits stated by the CFPB

  • The database is not a statistical sample of consumers' experiences in the marketplace 1.
  • Complaints are not representative of all consumers' experiences with a product or company 1.
  • Companies with more customers may have more complaints, so users should consider company size and market share 1.
  • Complaints are not information for the purposes of the Information Quality Act 1.

Common questions

How quickly are complaints published?

After the company responds or after 15 days, whichever comes first 1.

Are complaints sent to other agencies published?

No. The CFPB does not publish complaints it refers to other regulators 1.

Can companies reply in public?

Yes. A company can choose a public response from a pre-set list, and the response is optional 4.

Is the data available for download?

The CFPB publishes API documentation with a field reference for the database 5.

Rules and charges change. Check the official source linked on this page before you pay or travel. Spotted an error? Email hello@consumercomplaintstats.com.

Sources

  1. CFPB: Consumer Complaint Database
  2. CFPB: Consumer Response Annual Report, January 1 to December 31, 2025 (March 2026)
  3. CFPB: Consumer Response Annual Report, January 1 to December 31, 2024
  4. CFPB: How we share complaint data
  5. CFPB Open Tech: Consumer Complaint Database API documentation
  6. CFPB: Learn how the complaint process works

Related

  • How CFPB complaints are resolved

    The steps a complaint to the US CFPB goes through, the company response categories, timeliness figures for 2024 and 2025, and what closed means.

  • How to read a company complaint response

    What a firm's complaint response must contain in the UK, Australia, Canada and India, and what CFPB labels such as closed with explanation mean.

  • What a complaint count does not show

    Why raw complaint numbers are not proof of wrongdoing, in the words of the CFPB, FCA, ASIC and FCC, with the counting rules that shape the totals.

  • Complaint data by product

    How the CFPB, UK FOS and FCA, FCAC, OBSI, the RBI Ombudsman, Ireland's FSPO and BaFin split complaints by product, with the latest figures.

  • FTC Consumer Sentinel Network data explained

    How the US FTC Consumer Sentinel Network collects fraud, identity theft and other reports, what its Data Book counts and why the figures are unverified.