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Consumer Financial Complaints Dataset
Fraud Detection & Risk Management
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About
This dataset contains consumer complaints related to financial products and services, including credit reporting, credit cards, and loan servicing. It provides insights into customer grievances, company responses, and resolution outcomes. The dataset is valuable for studying consumer protection issues, regulatory compliance, and trends in financial disputes.
Dataset Features
- CC_ID: Unique identifier for each complaint.
- Date_received: Date when the complaint was submitted.
- Product: The financial product involved (e.g., Credit reporting, Credit card).
- Sub_product: More specific categorization of the product (e.g., General-purpose credit card).
- Issue: The main problem reported by the consumer (e.g., Incorrect information on credit report).
- Sub_issue: A more detailed description of the issue (e.g., Account status incorrect).
- Consumer_complaint_narrative: The full text of the complaint submitted by the consumer.
- Company_public_response: How the company publicly responded to the complaint.
- Company: The financial institution or service provider involved.
- State: where the consumer is located.
- ZIP_code: The postal code of the consumer.
- Date_sent_to_company: Date when the complaint was forwarded to the company.
- Company response to consumer: The company's resolution status (e.g., closed with explanation).
- Timely_response?: Indicates whether the company responded within the required time frame (Yes/No).
- Complaint_ID: A unique identifier assigned by the regulatory body.
Distribution
- Data Volume: 29950 rows and 15 columns.
- Format: Tabular dataset (CSV).
Usage
This dataset is ideal for a variety of applications:
- Consumer Protection Analysis: Identifying patterns in financial complaints and company responses.
- Sentiment Analysis: Analyzing consumer dissatisfaction levels and trends in complaint resolution.
- Regulatory Compliance: Assessing financial institutions' adherence to consumer protection laws.
- Fraud Detection: Investigating patterns of fraud and unfair financial practices.
Coverage
- Time Range: Includes complaints from 2015 to 2023.
- Demographics: Covers financial consumers across various age groups and locations.
License
CC0
Who Can Use It
- Data Scientists: To build predictive models for complaint resolution.
- Researchers: To study financial regulations and consumer rights.
- Businesses: To analyze customer feedback and improve financial services.
- Regulators: To monitor compliance with consumer protection laws.
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