# CFPB Complaints MCP MCP > CFPB Complaints provides direct access to 13.8M+ consumer complaints against financial companies. You can filter these records by specific products, states, company names, or issue types—all from a natural conversation. It's ideal for deep research into financial misconduct and regulatory patterns. ## Overview - **Category:** industry-titans - **Price:** Free - **Tags:** cfpb, consumer-complaints, financial-regulation, banking ## Description The CFPB Complaints MCP lets you pull complaint history directly out of the Federal Consumer Protection Bureau database. No API keys are needed because this data is public domain. Instead of sifting through massive, unstructured spreadsheets, your AI client handles the filtering process for you—it's like having an expert researcher on call. You can ask it to find all complaints related to 'Mortgage' products in Texas, or maybe look up every single complaint filed against a specific bank over the last quarter. The system doesn't just pull records; it organizes them by company response and issue type. Because Vinkius hosts this MCP, you get access to these deep financial records alongside thousands of other industry tools. This means you can do everything from tracking current trends using `get_recent_complaints` to getting statistical counts with `get_complaints_stats`, all without writing a single line of query code. ## Tools ### get_company_complaints Retrieves all complaint details—including issues, products, and states—for a specific financial company. ### get_complaint Pulls every detail for one single complaint if you know its unique ID number. ### get_complaints_by_issue Filters records to see complaints related only to common issues, like 'Incorrect information' or 'Problem with a purchase'. ### get_complaints_by_product Narrows the search down to specific product categories such as 'Mortgage', 'Debt collection', or 'Credit card'. ### get_complaints_by_state Shows complaints that came in from a single, designated US state. ### get_complaints_stats Provides quick numerical counts of complaints without pulling the actual detailed records. ### get_complaints_with_narrative Finds complaints that contain the full consumer story, allowing you to read their detailed experience. ### get_recent_complaints Retrieves a list of complaints that were filed very recently for trend tracking. ### search_complaints Runs a powerful, multi-filter search across the entire database using product, company, state, issue, and date range. ## Prompt Examples **Prompt:** ``` Show me recent complaints about Wells Fargo. ``` **Response:** ``` Found 15 recent complaints against Wells Fargo covering: Mortgage (incorrect information), Credit card (unauthorized charges), Bank account (unexpected fees). Companies responded to 80% of complaints. ``` **Prompt:** ``` What are the most common issues with debt collection? ``` **Response:** ``` Top debt collection issues: Attempts to collect debt not owed (35%), Continued collection after dispute (22%), Incorrect information on credit report (18%), Harassment (15%), False statements (10%). ``` **Prompt:** ``` How many complaints does Equifax have? ``` **Response:** ``` Equifax has 350,000+ complaints in the database. Top issues: Incorrect information (45%), Problem with credit report (30%), Unable to get credit report (15%). Most common product: Credit reporting. ``` ## Capabilities ### Search by Specific Dimensions Find complaints by filtering across products, states, companies, or specific financial issues. ### Analyze Company History Generate a summary of all complaints filed against one company to gauge their overall track record. ### Retrieve Detailed Narratives Pull the full, detailed story—the consumer's own words—for any complaint ID you specify. ### Track Current Trends Get a list of complaints filed most recently to monitor immediate regulatory activity or emerging problems. ### Generate Statistical Overviews Calculate simple complaint counts and totals without needing to read every single record. ## Use Cases ### Auditing a Financial Product Launch A compliance officer needs to know if the new 'Student Loan' product has any complaints in Ohio. They use `get_complaints_by_product` and then specify 'Ohio' using `get_complaints_by_state`. This quickly pinpoints regional risk. ### Tracking Corporate Reputation Damage A journalist wants to track all complaints against a major bank. They first run `get_company_complaints` for the name, and then use `get_complaints_with_narrative` to gather the actual consumer quotes. ### Identifying Systemic Debt Collection Problems A consumer advocate runs a query using `get_complaints_by_issue` specifically for 'Attempts to collect debt not owed'. This immediately shows patterns of predatory lending behavior across multiple companies. ### Benchmarking Competitors' Complaint Load A researcher needs comparative numbers. They use `get_complaints_stats` for three different competitors, getting a quick count and comparison without downloading massive datasets. ## Benefits - Instead of manually checking multiple government sites, you run a single query using `search_complaints` to filter 13.8M records by state, product, and issue simultaneously. - Need context on what happened? Use `get_complaint` with an ID number. You instantly get the full complaint narrative along with company responses—the whole picture. - Want a quick overview without reading anything? Run `get_complaints_stats`. This gives you complaint counts and totals, letting you spot trends immediately. - When researching a specific industry problem, `get_complaints_by_issue` lets you focus only on the behavior—like 'Attempts to collect debt not owed'—ignoring everything else. - If you want to see what's happening right now, use `get_recent_complaints`. This is key for monitoring immediate market reaction or regulatory actions. ## How It Works The bottom line is, you just talk to it. It handles the complexity of 13.8 million records for you. 1. Connect your AI client through Vinkius to the CFPB Complaints MCP. 2. Ask a specific question, like 'What are the top issues with credit card debt in California?' 3. The MCP runs the query and returns organized complaint details, company responses, and trend summaries. ## Frequently Asked Questions **Do I need an API key?** No! CFPB complaint data is completely free and open public domain. No authentication required. **What products are covered?** Complaints cover: Debt collection, Mortgage, Credit card, Credit reporting, Student loan, Bank account, Payday loan, Money transfer, Prepaid card and many more. **Can I read consumer narratives?** Yes! Use get_complaints_with_narrative to find complaints that include the consumer's detailed description of their experience. **How recent is the data?** The database is updated daily with new complaints. Complaints are published after the company responds or after 15 days, whichever comes first. **Does running the `search_complaints` tool require any authentication?** No credentials are needed. The data is open public domain from the CFPB database. You simply connect your AI client and start querying immediately. **What information does `get_complaint` return for a specific ID?** It returns the full complaint record. You get details on the product, company, issue, narrative if available, dates, and the official company response. **How do I check overall trends without listing millions of complaints? ** Use `get_complaints_stats`. This tool provides quick complaint counts across various categories. It lets you analyze volume data without having to pull full records for every entry. **When I use `search_complaints`, what date range parameters can I apply?** The tool allows you to specify a custom start and end date for the search. This helps narrow down results significantly, making large historical searches manageable.