get_consumer_complaints

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Returns consumer complaints filed with the Consumer Financial Protection Bureau (CFPB). Each record is one filing against a bank, credit reporting agency, mortgage servicer, debt collector, fintech, or crypto firm — with company response status, timeliness flag, and (when consented) consumer narrative. Use this when the user asks about: complaint volume against a specific company, top issues at a credit reporting agency, regional complaint patterns, untimely responses by a financial institution, or as a leading indicator of upcoming CFPB/OCC/FDIC enforcement action. COVERAGE — live passthrough (source:'live'): each call queries CFPB's own search API over the FULL 15.7M+ complaint database, full history, current as of CFPB's publication. The response's `total_count` is CFPB's authoritative count for your filtered query — USE IT for volume answers (the `results` array is just the requested page). `total_count` is omitted when an `issue` or `sub_product` filter is active (those apply after the upstream query, so the upstream total wouldn't match). If CFPB is unreachable the tool falls back to a small cached sample (source:'cache' + coverage_warning) — do NOT infer volume in that mode. Note: `company` matching is word-based against the company name ('experian', 'wells fargo'), not arbitrary-substring. Product taxonomy (the top categories): - 'Credit reporting or other personal consumer reports' — Equifax, Experian, TransUnion. ~80% of recent complaint volume. - 'Debt collection' - 'Mortgage' - 'Credit card or prepaid card' - 'Checking or savings account' - 'Payday loan, title loan, or personal loan' - 'Money transfer, virtual currency, or money service' - 'Vehicle loan or lease' - 'Student loan' Company-response values: 'Closed with explanation', 'Closed with non-monetary relief', 'Closed with monetary relief', 'In progress', 'Untimely response', 'Closed without relief'. Cross-source tip: pair with get_enforcement_actions(source:'cftc'|'occ'| 'fdic'|'sec'|'doj', text:'<company>') to see if complaint volume preceded a formal enforcement action.