Cfpb MCP Server

CFPB — Consumer Financial Protection Bureau

The CFPB's Consumer Complaint Database. Every consumer complaint filed with the CFPB about a financial product (mortgages, credit cards, debt collection, banking, payments, student loans, etc.), tagged with company, product, issue, response, and outcome. ~5M+ complaints since 2011. Free, no auth, public.

Part of Pipeworx — an MCP gateway connecting AI agents to 1863+ live data sources. This is an independent, unofficial integration — not affiliated with, endorsed by, or published by the upstream provider.

Why this matters for AI agents

For consumer-finance risk assessment, brand reputation analysis, or "is this company's posture deteriorating?" questions, CFPB complaints are the canonical leading indicator. Spikes correlate with brewing reputational issues, often before they show up in earnings.

Common flows:

• Company posture. cfpb_company_complaints({company: "Wells Fargo"}) → complaint volume by year, product, issue.
• Product breakdown. cfpb_product_breakdown → industry-wide distribution of complaints across product categories.
• Issue-level drilldown. Filter by issue tags (e.g., "Charged fees or interest you didn't expect").

Used by the fintech_company_deep_dive compound and the financial_health_check recipe.

Auth

None. The CFPB Consumer Complaint Database is fully public.

Product taxonomy

CFPB groups complaints into a stable taxonomy:

Product-level complaint volume varies massively. A bank with high mortgage complaints isn't directly comparable to a fintech with high "money transfer" complaints — context matters.

Update cadence

Daily. Complaints generally appear within ~15 days of submission. Consumer responses (whether the user marked the company response as "satisfactory") trickle in over weeks.

Common pitfalls

• Volume ≠ wrongdoing. A bank with 100,000 customers and 100 complaints has a low rate; a tiny lender with 1,000 customers and 50 complaints has a much higher rate. Always normalize by customer base or AUM where possible.
• Company name normalization. "JPMorgan Chase," "JPMorgan Chase Bank, N.A.," "Chase" — all the same company in different contexts. CFPB normalizes to a "company" field; verify by searching multiple variants.
• Response status meaning. "Closed with relief," "Closed without relief," "Closed with monetary relief" — these are the company's own classification of the outcome. Read the per-complaint narrative for context.
• Selection bias. Not every dissatisfied customer files with the CFPB. Volume reflects awareness of the CFPB as a recourse, not pure customer dissatisfaction. Trends over time are more meaningful than absolute counts.
• Industry comparisons. Use cfpb_product_breakdown to anchor a company's volume against industry baseline before judging.

Quick Start

Add to your MCP client (Claude Desktop, Cursor, Windsurf, etc.):

{
  "mcpServers": {
    "cfpb": {
      "url": "https://gateway.pipeworx.io/cfpb/mcp"
    }
  }
}

What this endpoint actually serves

tools/list at https://gateway.pipeworx.io/cfpb/mcp returns the tools in the table above plus the shared Pipeworx meta-tools — ask_pipeworx, discover_tools, search_within, remember/recall and the rest of the gateway-wide set. So the tool count you see is larger than this table: a single-pack endpoint currently lists roughly 30 shared tools alongside the pack's own. The connection's initialize response states its exact scope, and is the authoritative answer for a given day.

This is deliberate, not multiplexing by accident. The meta-tools are what let a scoped connection answer a question this pack does not cover — via ask_pipeworx, which routes across the whole catalog — without you adding a second MCP server. There is currently no way to mount a pack endpoint without them; if the extra schemas cost you more context than the routing is worth, connect to the full gateway once rather than to several pack endpoints.

Or connect to the full Pipeworx gateway to get every pack's tools listed directly, instead of just this one's:

{
  "mcpServers": {
    "pipeworx": {
      "url": "https://gateway.pipeworx.io/mcp"
    }
  }
}

Both URLs reach the same gateway and the same 1863+ data sources. The only difference is which pack's tools are listed directly; ask_pipeworx reaches all of them from either one.

No MCP client? Call it over HTTP

curl -X POST https://gateway.pipeworx.io/v1/tools/cfpb_search_complaints \
  -H 'Content-Type: application/json' \
  -d '{"query":"overdraft fees","limit":25}'

No account needed for the first calls. Inspect any tool: GET https://gateway.pipeworx.io/v1/tools/cfpb_search_complaints. Find one: POST https://gateway.pipeworx.io/v1/tools/search_packs with {"query":"..."}.

Run it from npm

@pipeworx/mcp-cfpb is a local stdio bridge to the Pipeworx gateway: your MCP client starts it with npx, and it forwards every call to the same https://gateway.pipeworx.io/cfpb/mcp endpoint shown above. It needs network access; there is no offline mode.

{
  "mcpServers": {
    "cfpb": {
      "command": "npx",
      "args": ["-y", "@pipeworx/mcp-cfpb"]
    }
  }
}

Without a key it calls anonymously, capped at 50 calls a day. A free account raises that to 200 a day: get a key at https://pipeworx.io/signup and add "env": { "PIPEWORX_API_KEY": "<your key>" } to the server entry. The key is sent as a Bearer token, the same way a hosted connection sends it, so calls are metered and billed exactly as they are there.

It lists only this pack's tools by default. Set PIPEWORX_META_TOOLS=1 to also list ask_pipeworx and the other gateway-wide tools.

Behind an HTTPS proxy: Node's built-in fetch does not read HTTPS_PROXY by default. Newer Node releases honour it when NODE_USE_ENV_PROXY=1 is set; check your Node version's documentation.

Using with ask_pipeworx

Instead of calling tools directly, you can ask questions in plain English — this works on the pack endpoint above as well as on the full gateway:

ask_pipeworx({ question: "your question about Cfpb data" })

The gateway picks the right tool and fills the arguments automatically.

More

• Docs and guides
• pipeworx.io

License

MIT