Data product · Servicing & regulatory · CFPB

Dispute / Complaint-Intelligence

A card-scoped, de-noised, narrative-enriched product over CFPB complaints - emerging-theme detection before the regulator's annual report.

≈528,000verified

card complaints (Credit card 321,619 + Credit card or prepaid card 206,356)

53,855verified

top issue: 'Problem with a purchase shown on your statement'

≈33%verified

relief rate (monetary relief 49,266 of closed)

26,859verified

Chase complaints (vs Citi 39,378 · Cap One 38,457 · Synchrony 26,380)

99.94%verified

Chase timely response (26,844 Yes vs 15 No) - differentiate on issue-mix, not timeliness

+67%verified

general-purpose card complaints vs 2023 (CFPB 2024 Annual Report; cards = #3 product)

The problem

Billing disputes are the #1 card complaint theme and accelerating. ~33% of resolved card complaints get monetary or non-monetary relief - a hard ROI signal currently buried in unstructured narratives.

The data-product gap

Raw CFPB data splits across two `product` labels (a taxonomy change), uses shifting issue enums, has messy company names, and only ~53% of complaints carry consented free text. The 16M-row database is ~80% credit-reporting noise - no stable, de-noised, card-scoped, narrative-enriched product exists.

The solution, on the platform

1
Ingest the CFPB API daily delta, filtered to product ∈ {Credit card, Credit card or prepaid card}.
2
Bronze→Silver: unify the taxonomy, normalize company→Chase, spam/bulk-filter.
3
Gold: LLM-enriched narratives (theme / severity / root-cause / preventability) on the consented ~53%, joined to internal dispute/chargeback + CSAT.
4
GenAI on the curated product (Genie-style): 'show the top emerging themes this week.'
5
Governed by contract + entitlements: PII scrubbed; a vulnerable-population tags lens.

CFPB API daily deltaTaxonomy unificationLLM narrative enrichmentGenie-style NL queryContract + PII-scrub entitlement

Caveat

2025 complaint volume doubled to ~6.6M (credit-repair / AI bulk filings) - the product must de-noise before any theme is trusted. CFPB aggregation live-verified 2026-06-26.

Success scorecard

Leading

›Complaints per 100K accounts by issue
›Week-over-week velocity
›Theme-emergence rate

Lagging

›Monetary-relief rate
›Chase-vs-peer issue-mix gap
›Repeat-issue reduction after a fix ships

Business

›Relief avoided
›Regulatory-risk reduction
›Dispute cycle-time
›Self-serve deflection

Browse the catalog How the AI analyst is governed

Sources and method

Live · enforced in the database Public · cited Synthetic · illustrative

01
CFPB Consumer Complaint Database - live aggregation 2026-06-26 (DB total 16,093,652);
02
CFPB 2024 Annual Report to Congress - credit cards #3 most-complained product;
03
2025 volume surge - ≈6.6M complaints driven by credit-repair / AI bulk filings - de-noising is a product requirement.

Synthetic cardholder dataFictional partnerIllustrative model metricsCited market context