What Is the CFPB?
The Consumer Financial Protection Bureau (CFPB) is the federal agency responsible for overseeing consumer financial products and services — including debt collection, credit reporting, and mortgage servicing.
What the CFPB Does
The CFPB writes and enforces rules for banks, lenders, debt collectors, and credit bureaus, and it maintains a public complaint database that companies are required to respond to.
How to File a CFPB Complaint
1. Go to consumerfinance.gov/complaint. 2. Select the product/issue category that matches your situation. 3. Describe what happened and what resolution you're seeking. 4. Submit — the company generally has 15 days to respond.
What Kinds of Issues the CFPB Handles
Debt collection practices, credit reporting errors, mortgage servicing issues, and problems with bank accounts, credit cards, and loans all fall within the CFPB's scope.