# CFPB consumer complaints (remote · cfpb-complaints-analysis.fly.dev)

CFPB consumer complaints: 18M records, 3.85M archived narratives. Search, counts, trends.

- Trust score: 63/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-18

## Components

- remote · `cfpb-complaints-analysis.fly.dev`: 63/100 (this document), [markdown](https://verifymcp.io/servers/bnovarini-cfpb-complaints-analysis/cfpb-complaints-analysis.md), [page](https://verifymcp.io/servers/bnovarini-cfpb-complaints-analysis/cfpb-complaints-analysis)

## Channel facts

- Endpoint: `https://cfpb-complaints-analysis.fly.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.1.3`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-10-18.

- **Endpoint Security**: 57/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not yet verified: we couldn't confirm whether this endpoint requires it.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS not yet verified: we couldn't read the response headers to check for it.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 0/100
  - Transport check failed: declared streamable-http, but we couldn't connect to verify it.
- **Schema Quality & AI Usability**: 0/100
  - Schema not yet verified: we couldn't read the endpoint's schema, or could read only part of its tool list.
- **Stability & Change Management**: 0/100
  - Stability not yet verified: not enough scan history yet (needs a 30-day window).
- **Tool Coverage**: 0/100
  - Tool coverage not yet verified: we couldn't read the endpoint's tools, or could read only part of the list.
- **Tool Safety**: 0/100
  - Tool safety not yet verified: we couldn't read the endpoint's tools, or could read only part of the list.
- **Capabilities**: 0/100
  - Capabilities not yet verified: we couldn't read the endpoint's capabilities.

**Unverified: 5 categories.** Categories scored 0 because we could not verify them: authentication we do not have, an unreachable endpoint, or not enough scan history. We only credit what we can confirm.

## Install

### How do I install the CFPB consumer complaints MCP server?

CFPB consumer complaints is a hosted endpoint at https://cfpb-complaints-analysis.fly.dev/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http bnovarini-cfpb-complaints-analysis 'https://cfpb-complaints-analysis.fly.dev/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "bnovarini-cfpb-complaints-analysis": {
      "url": "https://cfpb-complaints-analysis.fly.dev/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "bnovarini-cfpb-complaints-analysis": {
      "type": "http",
      "url": "https://cfpb-complaints-analysis.fly.dev/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.bnovarini-cfpb-complaints-analysis]
url = "https://cfpb-complaints-analysis.fly.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "bnovarini-cfpb-complaints-analysis": {
      "type": "remote",
      "url": "https://cfpb-complaints-analysis.fly.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add bnovarini-cfpb-complaints-analysis --url 'https://cfpb-complaints-analysis.fly.dev/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  bnovarini-cfpb-complaints-analysis:
    url: "https://cfpb-complaints-analysis.fly.dev/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "bnovarini-cfpb-complaints-analysis": {
      "Transport": "http",
      "Url": "https://cfpb-complaints-analysis.fly.dev/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add bnovarini-cfpb-complaints-analysis -t streamable-http -u 'https://cfpb-complaints-analysis.fly.dev/mcp'
```

### Other

```json
{
  "mcpServers": {
    "bnovarini-cfpb-complaints-analysis": {
      "type": "http",
      "url": "https://cfpb-complaints-analysis.fly.dev/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-10-18 (score 63, 0)

- [security regression] Endpoint reachability: reachable → unreachable
- [security regression] HSTS header: fail → unverified
- [security regression] Stability: 0.27 → unverified
- [security regression] Tool safety: pass → unverified
- [security regression] Transport: pass → fail
- [security] Authorization: Authorisation not yet verified: we couldn't confirm whether this endpoint requires it.
- [functional regression] Capabilities: pass → unverified
- [functional regression] Tool coverage: 100 → unverified
- [functional] First check of Schema quality: unverified

### 2026-10-16 (score 63, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-14 (score 62, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-12 (score 61, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-10 (score 60, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-09 (score 59)

First indexed and scored.

## MCP tools (10)

### `dataset_info` (~34 tokens)

What this dataset is: row counts, date ranges, narrative coverage, and the narrative freeze. Call first when unsure about coverage.

### `list_values` (~202 tokens)

List the values of a field with complaint counts, to find exact product/issue/response names. field is one of: product, sub_product, issue, sub_issue, company_response, company_public_response, submitted_via, state, timely_response. Optional search narrows by substring; product narrows issues to that product. Filters: company (exact name as in find_company), company_contains (substring), product, sub_product, issue, product: CFPB renamed credit reporting twice, so it appears under three product names (use list_values field=product), company_response (exact CFPB value, case-insensitive), submitted_via, state (2 letters), tag (e.g. 'Servicemember', 'Older American'), timely (true/false), date_from/date_to (YYYY-MM-DD or YYYY-MM, on date received).

Input parameters:

- `field` (string, required)
- `limit` (integer)
- `product`
- `search`

Output parameters:

- `result` (array)

### `find_company` (~92 tokens)

Find companies by name. CFPB lists the same firm under variants and subsidiaries (e.g. 'EQUIFAX, INC.', 'Equifax Information Services LLC'), so this returns every matching name with complaint counts and first/last dates; pass the exact names you want to other tools via company, or use company_contains for all variants at once.

Input parameters:

- `limit` (integer)
- `name` (string, required)

Output parameters:

- `result` (array)

### `complaint_counts` (~324 tokens)

Count complaints, optionally grouped. group_by is one or two of: year, quarter, month, product, sub_product, issue, sub_issue, company, state, company_response, company_public_response, submitted_via, timely_response. Returns complaints, timely_rate, monetary_relief_rate, nonmonetary_relief_rate, in_progress_rate per group (rates are fractions of that group's complaints). Counts are raw complaint counts, not adjusted for company size. In progress and Untimely response are CFPB response categories, not outcomes. Filters: company (exact name as in find_company), company_contains (substring), product, sub_product, issue, product: CFPB renamed credit reporting twice, so it appears under three product names (use list_values field=product), company_response (exact CFPB value, case-insensitive), submitted_via, state (2 letters), tag (e.g. 'Servicemember', 'Older American'), timely (true/false), date_from/date_to (YYYY-MM-DD or YYYY-MM, on date received).

Input parameters:

- `company`
- `company_contains`
- `company_response`
- `date_from`
- `date_to`
- `group_by`
- `has_narrative`
- `issue`
- `limit` (integer)
- `offset` (integer)
- `order_by` (string)
- `product`
- `state`
- `sub_product`
- `submitted_via`
- `tag`
- `timely`

Output parameters:

- `result` (array)

### `trend` (~221 tokens)

Complaints over time (month, quarter or year), for one filter set. Set period to month, quarter or year. The latest period is partial. In progress and Untimely response are CFPB response categories, not outcomes. Filters: company (exact name as in find_company), company_contains (substring), product, sub_product, issue, product: CFPB renamed credit reporting twice, so it appears under three product names (use list_values field=product), company_response (exact CFPB value, case-insensitive), submitted_via, state (2 letters), tag (e.g. 'Servicemember', 'Older American'), timely (true/false), date_from/date_to (YYYY-MM-DD or YYYY-MM, on date received).

Input parameters:

- `company`
- `company_contains`
- `company_response`
- `date_from`
- `date_to`
- `issue`
- `period` (string)
- `product`
- `state`
- `submitted_via`
- `tag`

Output parameters:

- `result` (array)

### `company_profile` (~84 tokens)

Profile of one company (or all name variants via company_contains): totals, first/last complaint, top products, issues, states, response outcomes, yearly counts. Counts are not adjusted for company size. Optional date_from/date_to/product.

Input parameters:

- `company`
- `company_contains`
- `date_from`
- `date_to`
- `product`

### `compare_companies` (~99 tokens)

Side-by-side comparison of up to 6 companies on the same filters: complaints, timely_rate, relief rates, top product and top issue each. Each entry in companies is matched as a substring on the company name (all variants combined). Counts are not adjusted for company size.

Input parameters:

- `companies` (array, required)
- `date_from`
- `date_to`
- `issue`
- `product`
- `state`

Output parameters:

- `result` (array)

### `search_narratives` (~269 tokens)

Keyword search over archived complaint narratives (frozen at 2026-08-14; CFPB stopped publishing them in September 2026). query: words that must all appear (case-insensitive), or use phrase for an exact phrase, or any_of for alternatives. Returns a snippet per complaint plus its structured fields, newest first (date order, not relevance-ranked: every result contains all your words); use get_complaint for the full text. Searches scan text, so narrow with date_from/date_to, company/company_contains, product or state when you can: an unfiltered search over all years can time out. Filters: company, company_contains, product, state (2 letters), date_from/date_to (YYYY-MM-DD or YYYY-MM), plus issue, sub_product, company_response, timely, tag (these are slower).

Input parameters:

- `any_of`
- `company`
- `company_contains`
- `company_response`
- `date_from`
- `date_to`
- `issue`
- `limit` (integer)
- `offset` (integer)
- `phrase`
- `product`
- `query`
- `state`
- `sub_product`
- `tag`
- `timely`

Output parameters:

- `result` (array)

### `count_narratives` (~158 tokens)

Count how many archived narratives match a keyword search, optionally grouped by year, month, product, company, issue or state. Same search and filter arguments as search_narratives (without the slower issue/response filters). Use this for 'how many complaints mention X'. Counts only complaints that have a narrative (through 2026-08-14), not all complaints. Narrow with date, company or product when you can.

Input parameters:

- `any_of`
- `company`
- `company_contains`
- `date_from`
- `date_to`
- `group_by`
- `limit` (integer)
- `phrase`
- `product`
- `query`
- `state`

Output parameters:

- `result` (array)

### `get_complaint` (~39 tokens)

One complaint by its CFPB Complaint ID: all structured fields and, when archived, the full narrative.

Input parameters:

- `complaint_id` (integer, required)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/bnovarini-cfpb-complaints-analysis/cfpb-complaints-analysis#diagnostics

## Score history

- 2026-10-18: 63
- 2026-10-17: 63
- 2026-10-16: 63
- 2026-10-15: 62
- 2026-10-14: 62
- 2026-10-13: 61
- 2026-10-12: 61
- 2026-10-11: 60
- 2026-10-10: 60
- 2026-10-09: 59

## Common questions

### What is the CFPB consumer complaints MCP server?

CFPB consumer complaints is an MCP server listed in the public MCP registry as io.github.bnovarini/cfpb-complaints-analysis. CFPB consumer complaints: 18M records, 3.85M archived narratives. Search, counts, trends. This page covers its hosted endpoint (https://cfpb-complaints-analysis.fly.dev/mcp).

### Is the CFPB consumer complaints MCP server safe to use?

CFPB consumer complaints scores 63 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the CFPB consumer complaints MCP server expose?

CFPB consumer complaints exposes 10 tools: dataset_info, list_values, find_company, complaint_counts, trend, and 5 more. Their descriptions and schemas cost roughly 1,522 tokens of context every time the server is loaded.

### Does the CFPB consumer complaints MCP server require authentication?

Its publisher declares no required credentials for CFPB consumer complaints. We have not been able to confirm that against the live endpoint, and a server can require authorisation without declaring it here.

### Is the CFPB consumer complaints MCP server still maintained?

CFPB consumer complaints is still listed in the MCP registry, though our most recent checks did not reach this channel. We last reached this channel on 17 October 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://cfpb-complaints-analysis.fly.dev/mcp
- Repository: https://github.com/bnovarini/cfpb-complaints-analysis
- Changelog RSS feed: https://verifymcp.io/servers/bnovarini-cfpb-complaints-analysis/cfpb-complaints-analysis.xml
- Changelog JSON feed: https://verifymcp.io/servers/bnovarini-cfpb-complaints-analysis/cfpb-complaints-analysis.json
- HTML version of this page: https://verifymcp.io/servers/bnovarini-cfpb-complaints-analysis/cfpb-complaints-analysis