CFPB Consumer Complaints API — Vendor Risk and Due Diligence

Search the US Consumer Financial Protection Bureau Consumer Complaint Database — 18M+ complaints since 2011. Filter by company, product, state, date, or submitted-via. Returns denormalised records (complaint ID, narrative, amount, response, resolution). Built for vendor risk teams, consumer rights organisations, and AI agents that need evidence of bank/customer behaviour.

Free trial

A free Apify account gives you about 5 USD of monthly credits, enough to pull thousands of complaints and inspect the JSON schema before paying.

Use cases

1. Vendor due diligence — given a company name (e.g.

   "WELLS FARGO & COMPANY"
   ), pull last 12 months of complaints and compute is_timely and is_resolved rates.
2. Geographic risk — pull complaints in state TX, group by product and sub_product, and chart complaint share by issuer.
3. Real-time compliance feed — daily cron filtered to is_recent_30_days=true and a watch list of issuers; Slack-alert on any company_response containing "monetary relief".

Input

{
  "company_name_contains": "WELLS FARGO",
  "state": "TX",
  "product": "Checking or savings account",
  "date_received_from": "2024-01-01",
  "date_received_to": "2026-12-31",
  "max_results": 50
}

Field	Type	Default	Description
company_name_contains	string	""	Partial company name match (case-sensitive, uppercase).
state	string	""	2-letter US state code (e.g. TX, CA).
product	string	""	Checking or savings account, Mortgage, Debt collection, …
sub_product	string	""	Narrow by sub-product (e.g. Checking account).
issue	string	""	Filter by issue category.
date_received_from	string	""	Earliest date_received (YYYY-MM-DD).
date_received_to	string	""	Latest date_received.
has_public_response	boolean	false	Keep only records with a public company response.
consumer_disputed	boolean	false	Keep only records disputed by the consumer.
max_results	integer	50	Cap on returned records (1–200).

Output (real run)

[
  {
    "complaint_id": "28954970",
    "product": "Checking or savings account",
    "sub_product": "Checking account",
    "issue": "Managing an account",
    "sub_issue": "Deposits and withdrawals",
    "company": "WELLS FARGO & COMPANY",
    "state": "TX",
    "zip_code": "75114",
    "tags": "",
    "timely": "Yes",
    "company_response": "Closed with explanation",
    "company_public_response": "Company has responded to the consumer and the CFPB and chooses not to provide a public response",
    "consumer_disputed": "No",
    "date_received": "2026-09-12",
    "date_received_year": 2026,
    "date_received_month": "2026-09",
    "date_sent_to_company": "2026-09-12",
    "submitted_via": "Web",
    "response_time_days": 12,
    "response_time_hours": 288,
    "is_timely": true,
    "is_resolved": true,
    "is_no_response": false,
    "is_explanation": true,
    "is_recent_30_days": true,
    "is_recent_7_days": false,
    "has_public_response": false
  }
]

Field	Type	Description
complaint_id	string	CFPB complaint identifier.
product / sub_product	string	Product taxonomy (highest level, then sub).
issue / sub_issue	string	Specific issue reported.
company	string	Issuer name as filed.
state / zip_code	string	Consumer location.
tags	string	Optional tags (Servicemember, Older American, …).
timely	string	Whether the company responded in time.
company_response	string	Closed with explanation, Monetary relief, …
company_public_response	string	Public statement on the company website (or null).
consumer_disputed	string	Whether the consumer disputed the resolution.
date_received	string	Date the CFPB received the complaint.
date_received_year / date_received_month	integer / string	Helper dates.
date_sent_to_company	string	When CFPB forwarded to the company.
submitted_via	string	Web, Phone, Referral, …
response_time_days / response_time_hours	integer	Time to first company response.
is_timely / is_resolved / is_no_response / is_explanation	boolean	Boolean helpers.
is_recent_30_days / is_recent_7_days	boolean	Recency flags.
has_public_response	boolean	True when company_public_response is present.

Pricing (pay-per-event)

• No subscription. Free monthly credits apply first.
• 1 result = $0.001 USD (about $1 per 1 000 results).
• Charged per item returned in the dataset; failed runs are not charged.

Source, licence, limits

• Source: CFPB Consumer Complaint Database at https://www.consumerfinance.gov/data-research/consumer-complaints/.
• Licence: US Government work, public domain (17 U.S.C. § 105).
• Update frequency: complaints are added daily by the CFPB; this Actor reflects the upstream dataset at the moment of the run.
• Limits: the CFPB caps each page at 10 000 complaints; we paginate up to max_results. Old complaints (pre-2015) may have sparser fields.

FAQ

Why does state sometimes look lowercase? Some legacy records had inconsistent casing; treat as case-insensitive when filtering.

Why does consumer_disputed come back as "No"? CFPB stores disputed as a string flag; the helper consumer_disputed mirrors that. Use the string for direct comparison.

Can I get the consumer's narrative? The full complaint narrative is downloadable from the CFPB; this Actor distributes denormalised structured fields. Combine with their API endpoint for narrative retrieval.

Why is the company name uppercase? CFPB stores issuer names as uppercase. Convert with .title() for display.

How do I count "monetary relief" responses? Filter where company_response == "Closed with monetary relief". Group by company to rank.

Is there a "disputed" rate I can compute per company? Yes — group by company and compute consumer_disputed == "Yes" / total complaints per company.

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Changelog

• 2026-10-12 — SEO metadata (seoTitle, seoDescription); README rewritten with real output sample, FAQ, cross-links.
• 2026-10-07 — Pricing switched to Apify pay-per-event ($0.001 per dataset item).
• 2026-09-30 — Initial public release on the Apify Store.