# CFPB Consumer Complaint Intelligence MCP — 5M+ Complaints (`andrew_avina/cfpb-mcp`) Actor Search and analyze 5 million+ CFPB consumer complaints via a fully MCP-compatible server. Query by company, product category, state, issue type, and date range. Track complaint trends, identify systemic problems, and monitor company response rates. Works directly with Claude D... - **URL**: https://apify.com/andrew\_avina/cfpb-mcp.md - **Developed by:** [Andrew Avina](https://apify.com/andrew_avina) (community) - **Categories:** MCP servers, Business - **Stats:** 1 total users, 0 monthly users, 0.0% runs succeeded, NaN bookmarks - **User rating**: No ratings yet ## Pricing $3.00 / 1,000 result item returneds This Actor is paid per event. You are not charged for the Apify platform usage, but only a fixed price for specific events. Learn more: https://docs.apify.com/platform/actors/running/actors-in-store#pay-per-event ## What's an Apify Actor? Actors are a software tools running on the Apify platform, for all kinds of web data extraction and automation use cases. In Batch mode, an Actor accepts a well-defined JSON input, performs an action which can take anything from a few seconds to a few hours, and optionally produces a well-defined JSON output, datasets with results, or files in key-value store. In Standby mode, an Actor provides a web server which can be used as a website, API, or an MCP server. Actors are written with capital "A". ## How to integrate an Actor? If asked about integration, you help developers integrate Actors into their projects. You adapt to their stack and deliver integrations that are safe, well-documented, and production-ready. The best way to integrate Actors is as follows. In JavaScript/TypeScript projects, use official [JavaScript/TypeScript client](https://docs.apify.com/api/client/js.md): ```bash npm install apify-client ``` In Python projects, use official [Python client library](https://docs.apify.com/api/client/python.md): ```bash pip install apify-client ``` In shell scripts, use [Apify CLI](https://docs.apify.com/cli/docs.md): ````bash # MacOS / Linux curl -fsSL https://apify.com/install-cli.sh | bash # Windows irm https://apify.com/install-cli.ps1 | iex ```bash In AI frameworks, you might use the [Apify MCP server](https://docs.apify.com/platform/integrations/mcp.md). If your project is in a different language, use the [REST API](https://docs.apify.com/api/v2.md). For usage examples, see the [API](#api) section below. For more details, see Apify documentation as [Markdown index](https://docs.apify.com/llms.txt) and [Markdown full-text](https://docs.apify.com/llms-full.txt). # README ## CFPB Consumer Complaint Intelligence MCP — 5M+ Complaints Database Search and analyze **5 million+ CFPB consumer complaints** via a fully MCP-compatible server. Query by company, product category, state, issue type, and date range. Track complaint trends, identify systemic problems, and monitor company response rates. Works directly with Claude Desktop, Cursor, GPT-4 plugins, and any MCP client. No API key required. --- ### What This Actor Does The Consumer Financial Protection Bureau (CFPB) maintains the largest public database of consumer financial complaints in the United States. Every complaint submitted against a financial company — banks, credit card issuers, credit bureaus, mortgage servicers, debt collectors, student loan servicers — is recorded and made publicly available. This Apify actor wraps the CFPB Complaint Search API in a production-grade MCP server. **In batch mode**, you specify a company, product, state, or search term. The actor fetches matching complaints, normalises them into clean records, and pushes results to the Apify dataset. **In MCP server mode**, the actor starts a lightweight HTTP server on port 4321. Your AI assistant can call any of the 4 MCP tools in real time. --- ### What the Database Contains - **5M+ complaints** submitted since 2011 - Companies: 7,000+ financial institutions - Products: Credit cards, mortgages, student loans, auto loans, debt collection, credit reporting, checking accounts, prepaid cards, payday loans, money transfers - Fields: company name, product, sub-product, issue, sub-issue, consumer narrative (when consent provided), company response, timeliness, state, ZIP code - Updated: Daily by CFPB --- ### MCP Tools #### `search_complaints` Full-text and filtered search across the CFPB complaint database. ```json { "name": "search_complaints", "arguments": { "company": "Equifax", "product": "Credit reporting, credit repair services, or other personal consumer reports", "state": "CA", "limit": 25 } } ```` Returns records with: `complaint_id`, `date_received`, `product`, `sub_product`, `issue`, `company`, `state`, `company_response`, `timely_response`, `consumer_disputed`, `narrative` (first 300 chars if consented), `source`. **Available filters:** - `query` — full-text search in narratives - `company` — company name (partial match) - `product` — product category - `state` — US state code (CA, NY, TX, etc.) - `date_from` / `date_to` — date range (YYYY-MM-DD) - `limit` — number of results (max 100) #### `get_company_stats` Aggregate complaint statistics for a specific company. ```json { "name": "get_company_stats", "arguments": { "company": "JPMorgan Chase", "year": 2024 } } ``` Returns: - Total complaint volume - Product breakdown (which product types generate the most complaints) - Company response breakdown (closed with monetary relief, closed without relief, in progress, untimely response) - Top complaint issues - Top states by complaint volume #### `get_product_trends` Complaint trends for a product category — useful for identifying which companies are generating systemic issues in a given market segment. ```json { "name": "get_product_trends", "arguments": { "product": "Mortgage", "state": "FL" } } ``` Returns: - Total complaints in scope - Top companies by complaint count - Most common issues - State distribution - Company response breakdown #### `top_complained_companies` Rank financial companies by total complaint volume. Filter by product, state, and year. ```json { "name": "top_complained_companies", "arguments": { "product": "Credit card", "year": 2024, "limit": 10 } } ``` Returns a ranked list of companies with their complaint counts. *** ### Input Parameters (Batch Mode) | Parameter | Type | Default | Description | |-----------|------|---------|-------------| | `company` | string | `""` | Company name filter | | `product` | string | `""` | Product category filter | | `state` | string | `""` | US state code filter | | `query` | string | `""` | Full-text search | | `dateFrom` | string | `""` | Start date (YYYY-MM-DD) | | `dateTo` | string | `""` | End date (YYYY-MM-DD) | | `limit` | integer | `25` | Max results (max 100) | | `serveMcp` | boolean | `false` | Start MCP server on port 4321 | *** ### Output Record Schema ```json { "complaint_id": "6789012", "date_received": "2024-03-15", "product": "Credit card", "sub_product": "General-purpose credit card or charge card", "issue": "Problem with a purchase shown on your statement", "sub_issue": "Credit card company isn't resolving a dispute", "company": "JPMORGAN CHASE & CO.", "state": "NY", "zip_code": "100XX", "consumer_consent_provided": "Consent provided", "company_response": "Closed with monetary relief", "timely_response": "Yes", "consumer_disputed": "No", "narrative": "I noticed an unauthorized charge of $2,300 on my Chase Sapphire card...", "source": "consumerfinance.gov" } ``` *** ### Product Categories The CFPB organises complaints into the following product categories: | Product | Description | |---------|-------------| | Credit card | General-purpose and store-branded credit cards | | Mortgage | Home purchase, refinance, HELOC, reverse mortgage | | Student loan | Federal and private student loans, PSLF issues | | Vehicle loan or lease | Auto loans and leases | | Debt collection | Third-party debt collectors, debt buyers | | Credit reporting... | Equifax, Experian, TransUnion disputes; FCRA issues | | Checking or savings account | Bank accounts, overdraft, wire fraud | | Money transfer, virtual currency... | Wire transfers, Zelle, Venmo, crypto | | Payday loan, title loan... | Short-term high-interest loans, personal loans | | Prepaid card | Payroll cards, government benefit cards | *** ### Example Queries **Q: What are the most common issues Equifax customers complain about?** ``` Tool: get_company_stats company: Equifax ``` **Q: Which mortgage companies have the most complaints in Florida?** ``` Tool: get_product_trends product: Mortgage, state: FL ``` **Q: Who are the top 10 most-complained-about debt collectors in 2024?** ``` Tool: top_complained_companies product: Debt collection, year: 2024, limit: 10 ``` **Q: Find recent complaints about Navient student loan servicing.** ``` Tool: search_complaints company: Navient, product: Student loan, limit: 25 ``` **Q: What are California consumers complaining about at Bank of America?** ``` Tool: search_complaints company: Bank of America, state: CA, limit: 50 ``` *** ### Use Cases **Consumer advocates:** Identify companies with high rates of complaints and poor resolution outcomes. Track whether a company's complaint rate changes after regulatory action. **Compliance teams:** Monitor complaint filings against your institution in real time. Benchmark your complaint resolution rate against industry peers. **Investigative journalists:** Surface systemic patterns — which companies get the most "in progress" responses? Which issues generate the most consumer disputes? **Attorneys:** Research a client's company before litigation. Find patterns of complaint behavior that indicate systematic violations of FCRA, TILA, FDCPA, or RESPA. **Regulators:** Track emerging issues in financial products. Identify geographic clusters of complaints that may indicate local predatory behavior. *** ### Company Response Types The CFPB tracks how companies respond to each complaint: | Response | Meaning | |----------|---------| | Closed with monetary relief | Company provided cash, credit, or waived fees | | Closed with non-monetary relief | Company took corrective action but no money | | Closed with explanation | Company provided explanation only | | Closed without relief | Company took no action | | In progress | Company still working on resolution | | Untimely response | Company missed the 15-day response window | *** ### API Details - **Data source:** CFPB Consumer Complaint Database — `https://www.consumerfinance.gov/data-research/consumer-complaints/` - **API endpoint:** `https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/` - **Auth:** None required - **Rate limits:** None officially documented - **Coverage:** 5M+ complaints, 2011–present, updated daily *** ### MCP Server Mode Set `serveMcp: true` to start the MCP server. Configure your MCP client: ```json { "mcpServers": { "cfpb": { "url": "http://:4321" } } } ``` **Endpoints:** - `GET /mcp/tools` — returns all 4 tool schemas - `POST /mcp/call` — invoke a tool with `{"name": "...", "arguments": {...}}` - `GET /health` — liveness check *** ### Error Handling All tool functions catch exceptions and return structured error records: ```json [{"_meta": {"error": "...", "fallback_tried": true}}] ``` Empty queries return structured meta information about why no results were returned, including the total database size for context. *** ### License CFPB complaint data is in the public domain (US government work). Actor code is MIT-licensed. # Actor input Schema ## `company` (type: `string`): Filter complaints by company name. Partial match supported. Examples: 'Equifax', 'JPMorgan Chase', 'Wells Fargo', 'Citibank', 'Bank of America', 'Experian', 'TransUnion', 'Navient', 'Ally Financial'. ## `product` (type: `string`): Filter by product category. Options: 'Credit card', 'Mortgage', 'Student loan', 'Vehicle loan or lease', 'Debt collection', 'Credit reporting, credit repair services, or other personal consumer reports', 'Checking or savings account', 'Money transfer, virtual currency, or money service', 'Payday loan, title loan, or personal loan', 'Prepaid card'. ## `state` (type: `string`): Filter by US state code (2 letters). Examples: CA, NY, TX, FL, IL, PA, OH, GA. ## `query` (type: `string`): Full-text search across complaint narratives and fields. ## `dateFrom` (type: `string`): Only include complaints received on or after this date. Format: YYYY-MM-DD. ## `dateTo` (type: `string`): Only include complaints received on or before this date. Format: YYYY-MM-DD. ## `limit` (type: `integer`): Maximum number of complaints to return (default 25, max 100). ## `serveMcp` (type: `boolean`): When enabled, starts an MCP-compatible HTTP server on port 4321 instead of running a batch query. Use this to connect Claude Desktop, Cursor, or any MCP client to live CFPB data. Exposes 4 tools: search\_complaints, get\_company\_stats, get\_product\_trends, top\_complained\_companies. ## Actor input object example ```json { "company": "", "product": "", "state": "", "query": "", "dateFrom": "", "dateTo": "", "limit": 25, "serveMcp": false } ``` # API You can run this Actor programmatically using our API. Below are code examples in JavaScript, Python, and CLI, as well as the OpenAPI specification and MCP server setup. ## JavaScript example ```javascript import { ApifyClient } from 'apify-client'; // Initialize the ApifyClient with your Apify API token // Replace the '' with your token const client = new ApifyClient({ token: '', }); // Prepare Actor input const input = {}; // Run the Actor and wait for it to finish const run = await client.actor("andrew_avina/cfpb-mcp").call(input); // Fetch and print Actor results from the run's dataset (if any) console.log('Results from dataset'); console.log(`💾 Check your data here: https://console.apify.com/storage/datasets/${run.defaultDatasetId}`); const { items } = await client.dataset(run.defaultDatasetId).listItems(); items.forEach((item) => { console.dir(item); }); // 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/js/docs ``` ## Python example ```python from apify_client import ApifyClient # Initialize the ApifyClient with your Apify API token # Replace '' with your token. client = ApifyClient("") # Prepare the Actor input run_input = {} # Run the Actor and wait for it to finish run = client.actor("andrew_avina/cfpb-mcp").call(run_input=run_input) # Fetch and print Actor results from the run's dataset (if there are any) print("💾 Check your data here: https://console.apify.com/storage/datasets/" + run["defaultDatasetId"]) for item in client.dataset(run["defaultDatasetId"]).iterate_items(): print(item) # 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/python/docs/quick-start ``` ## CLI example ```bash echo '{}' | apify call andrew_avina/cfpb-mcp --silent --output-dataset ``` ## MCP server setup ```json { "mcpServers": { "apify": { "command": "npx", "args": [ "mcp-remote", "https://mcp.apify.com/?tools=andrew_avina/cfpb-mcp", "--header", "Authorization: Bearer " ] } } } ``` ## OpenAPI specification ```json { "openapi": "3.0.1", "info": { "title": "CFPB Consumer Complaint Intelligence MCP — 5M+ Complaints", "description": "Search and analyze 5 million+ CFPB consumer complaints via a fully MCP-compatible server. Query by company, product category, state, issue type, and date range. Track complaint trends, identify systemic problems, and monitor company response rates. Works directly with Claude D...", "version": "0.1", "x-build-id": "FXNhmuXl3lC2RQ1C3" }, "servers": [ { "url": "https://api.apify.com/v2" } ], "paths": { "/acts/andrew_avina~cfpb-mcp/run-sync-get-dataset-items": { "post": { "operationId": "run-sync-get-dataset-items-andrew_avina-cfpb-mcp", "x-openai-isConsequential": false, "summary": "Executes an Actor, waits for its completion, and returns Actor's dataset items in response.", "tags": [ "Run Actor" ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/inputSchema" } } } }, "parameters": [ { "name": "token", "in": "query", "required": true, "schema": { "type": "string" }, "description": "Enter your Apify token here" } ], "responses": { "200": { "description": "OK" } } } }, "/acts/andrew_avina~cfpb-mcp/runs": { "post": { "operationId": "runs-sync-andrew_avina-cfpb-mcp", "x-openai-isConsequential": false, "summary": "Executes an Actor and returns information about the initiated run in response.", "tags": [ "Run Actor" ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/inputSchema" } } } }, "parameters": [ { "name": "token", "in": "query", "required": true, "schema": { "type": "string" }, "description": "Enter your Apify token here" } ], "responses": { "200": { "description": "OK", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/runsResponseSchema" } } } } } } }, "/acts/andrew_avina~cfpb-mcp/run-sync": { "post": { "operationId": "run-sync-andrew_avina-cfpb-mcp", "x-openai-isConsequential": false, "summary": "Executes an Actor, waits for completion, and returns the OUTPUT from Key-value store in response.", "tags": [ "Run Actor" ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/inputSchema" } } } }, "parameters": [ { "name": "token", "in": "query", "required": true, "schema": { "type": "string" }, "description": "Enter your Apify token here" } ], "responses": { "200": { "description": "OK" } } } } }, "components": { "schemas": { "inputSchema": { "type": "object", "properties": { "company": { "title": "Company Name", "type": "string", "description": "Filter complaints by company name. Partial match supported. Examples: 'Equifax', 'JPMorgan Chase', 'Wells Fargo', 'Citibank', 'Bank of America', 'Experian', 'TransUnion', 'Navient', 'Ally Financial'.", "default": "" }, "product": { "title": "Financial Product", "type": "string", "description": "Filter by product category. Options: 'Credit card', 'Mortgage', 'Student loan', 'Vehicle loan or lease', 'Debt collection', 'Credit reporting, credit repair services, or other personal consumer reports', 'Checking or savings account', 'Money transfer, virtual currency, or money service', 'Payday loan, title loan, or personal loan', 'Prepaid card'.", "default": "" }, "state": { "title": "US State", "type": "string", "description": "Filter by US state code (2 letters). Examples: CA, NY, TX, FL, IL, PA, OH, GA.", "default": "" }, "query": { "title": "Keyword Search", "type": "string", "description": "Full-text search across complaint narratives and fields.", "default": "" }, "dateFrom": { "title": "Date From (YYYY-MM-DD)", "type": "string", "description": "Only include complaints received on or after this date. Format: YYYY-MM-DD.", "default": "" }, "dateTo": { "title": "Date To (YYYY-MM-DD)", "type": "string", "description": "Only include complaints received on or before this date. Format: YYYY-MM-DD.", "default": "" }, "limit": { "title": "Result Limit", "minimum": 1, "maximum": 100, "type": "integer", "description": "Maximum number of complaints to return (default 25, max 100).", "default": 25 }, "serveMcp": { "title": "MCP Server Mode", "type": "boolean", "description": "When enabled, starts an MCP-compatible HTTP server on port 4321 instead of running a batch query. Use this to connect Claude Desktop, Cursor, or any MCP client to live CFPB data. Exposes 4 tools: search_complaints, get_company_stats, get_product_trends, top_complained_companies.", "default": false } } }, "runsResponseSchema": { "type": "object", "properties": { "data": { "type": "object", "properties": { "id": { "type": "string" }, "actId": { "type": "string" }, "userId": { "type": "string" }, "startedAt": { "type": "string", "format": "date-time", "example": "2025-01-08T00:00:00.000Z" }, "finishedAt": { "type": "string", "format": "date-time", "example": "2025-01-08T00:00:00.000Z" }, "status": { "type": "string", "example": "READY" }, "meta": { "type": "object", "properties": { "origin": { "type": "string", "example": "API" }, "userAgent": { "type": "string" } } }, "stats": { "type": "object", "properties": { "inputBodyLen": { "type": "integer", "example": 2000 }, "rebootCount": { "type": "integer", "example": 0 }, "restartCount": { "type": "integer", "example": 0 }, "resurrectCount": { "type": "integer", "example": 0 }, "computeUnits": { "type": "integer", "example": 0 } } }, "options": { "type": "object", "properties": { "build": { "type": "string", "example": "latest" }, "timeoutSecs": { "type": "integer", "example": 300 }, "memoryMbytes": { "type": "integer", "example": 1024 }, "diskMbytes": { "type": "integer", "example": 2048 } } }, "buildId": { "type": "string" }, "defaultKeyValueStoreId": { "type": "string" }, "defaultDatasetId": { "type": "string" }, "defaultRequestQueueId": { "type": "string" }, "buildNumber": { "type": "string", "example": "1.0.0" }, "containerUrl": { "type": "string" }, "usage": { "type": "object", "properties": { "ACTOR_COMPUTE_UNITS": { "type": "integer", "example": 0 }, "DATASET_READS": { "type": "integer", "example": 0 }, "DATASET_WRITES": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_READS": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_WRITES": { "type": "integer", "example": 1 }, "KEY_VALUE_STORE_LISTS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_READS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_WRITES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_INTERNAL_GBYTES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_EXTERNAL_GBYTES": { "type": "integer", "example": 0 }, "PROXY_RESIDENTIAL_TRANSFER_GBYTES": { "type": "integer", "example": 0 }, "PROXY_SERPS": { "type": "integer", "example": 0 } } }, "usageTotalUsd": { "type": "number", "example": 0.00005 }, "usageUsd": { "type": "object", "properties": { "ACTOR_COMPUTE_UNITS": { "type": "integer", "example": 0 }, "DATASET_READS": { "type": "integer", "example": 0 }, "DATASET_WRITES": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_READS": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_WRITES": { "type": "number", "example": 0.00005 }, "KEY_VALUE_STORE_LISTS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_READS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_WRITES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_INTERNAL_GBYTES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_EXTERNAL_GBYTES": { "type": "integer", "example": 0 }, "PROXY_RESIDENTIAL_TRANSFER_GBYTES": { "type": "integer", "example": 0 }, "PROXY_SERPS": { "type": "integer", "example": 0 } } } } } } } } } } ```