CFPB Consumer Complaint Trend Watch Scraper

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Fintech, banking, CX, and compliance teams use this actor to monitor public CFPB Consumer Complaint Database trends. Provide company, product, issue, state, and keyword watch feeds. The actor returns source-linked complaint trend digest rows with consumer-submitted-data guardrails and no individual enrichment.

Store Quickstart

{
"feeds":[
{
"id":"bank-overdraft",
"name":"Bank overdraft complaints",
"products":"Checking or savings account",
"issues":"Problem with overdraft",
"keywords":"overdraft,fee"
}
],
"watchTerms":"overdraft,fee,closed account",
"datasetMode":"action_needed",
"notifyOnNoNew":false
}

Run the next report

Related public-data reports will be linked after their Store pages have live thumbnails and current README sync.

Input Examples

{
"feeds":[
{
"id":"credit-reporting",
"products":"Credit reporting or other personal consumer reports",
"keywords":"incorrect information,dispute"
}
],
"lookbackDays":30
}

{
"feeds":[
{
"id":"company-watch",
"companies":"Example Financial Inc.",
"keywords":"transfer,account closed,refund"
}
],
"datasetMode":"new_only"
}

{
"feeds":[
{
"id":"state-watch",
"products":"Mortgage",
"states":"CA,TX,NY",
"keywords":"servicing,escrow"
}
],
"delivery":"webhook",
"webhookUrl":"https://example.com/cfpb-webhook"
}

Sample Output

{
"actorName":"cfpb-consumer-complaint-trend-watch-scraper",
"rowType":"cfpb_digest",
"feedId":"bank-overdraft",
"feedName":"Bank overdraft complaints",
"checkedAt":"2026-05-07T00:00:00.000Z",
"status":"action_needed",
"newDocCount":1,
"totalDocCount":1,
"changedSinceLastRun":true,
"actionNeeded":true,
"reviewNote":"Review public complaint records matching watch terms: overdraft. Treat records as consumer-submitted signals.",
"signalTags":["consumer_submitted","not_agency_verified","new_document","watch_term_hit"],
"watchTermHits":[
{
"term":"overdraft",
"docNumber":"123456",
"title":"Example Bank | Checking or savings account | Problem with overdraft",
"docType":"CONSUMER_COMPLAINT",
"primaryAgency":"Consumer Financial Protection Bureau",
"publicationDate":"2026-05-01T00:00:00.000Z",
"htmlUrl":"https://www.consumerfinance.gov/data-research/consumer-complaints/"
}
],
"documents":[
{
"complaintId":"123456",
"consumerSubmitted":true,
"agencyVerified":false,
"individualEnrichment":false,
"product":"Checking or savings account",
"issue":"Problem with overdraft",
"company":"Example Bank",
"limitations":["Complaint data is consumer-submitted and not a CFPB finding that wrongdoing occurred."]
}
]
}

Output Fields

• actorName, rowType: stable canary and downstream routing fields; rowType is cfpb_digest.
• feedId, feedName, checkedAt: watch target identity and run timestamp.
• status: stable, watch, action_needed, or error.
• documents[].complaintId: CFPB public complaint identifier.
• documents[].consumerSubmitted: always true for this source class.
• documents[].agencyVerified: false; do not treat complaint rows as findings of wrongdoing.
• documents[].individualEnrichment: false; the actor must not enrich, profile, or contact individual consumers.

Pricing And No-Change Billing

Private Phase 8.6 build. Do not publish or count revenue until this actor's publication gate passes: active PPE pricing, chargedCount proof, no-change billing proof, source compliance, live canary, and demand gate.

Planned PPE shape, still private until active pricing is verified on Apify:

• apify-actor-start: $0.00005
• cfpb-trend-alert: $0.05
• cfpb-digest: $0.30
• cfpb-report: $2.50 (reserved for future bundled report mode)

Runtime-charged event names are cfpb-trend-alert for action-needed/watch-term rows and cfpb-digest for non-alert digest rows. Delivery must receive Apify chargedCount >= 1 before a billable row is considered delivered.

Recurring no-change polls should use datasetMode="action_needed" or new_only and notifyOnNoNew=false. Dataset and webhook delivery both push billable rows through Apify Actor.pushData(row, eventName) before delivery; webhook users do not bypass PPE billing.

Compliance Guardrails

• CFPB complaint rows are consumer-submitted and are not CFPB findings that a company violated the law.
• Do not infer wrongdoing, legal liability, credit risk, or consumer harm from a row count alone.
• Do not enrich, identify, contact, or profile individual consumers.
• Do not market this as a complaint submission tool.
• Do not use agency marks or imply CFPB approval.

See Also

Related public-data reports will be linked after their Store pages are complete.