Litigation & diligence intelligence
The federal complaint record has always been public. It has never been usable as evidence.
Millions of consumer complaints sit across a dozen federal sources — un-normalised, un-resolved, unciteable. We assemble fifteen years of them into one entity-resolved record, sealed with a verifiable chain of custody and built to survive authentication in a filing. The signal is public. We make it provable.
What the numbers actually mean
A complaint rate is not a letter to customer service.
Every complaint in this database is a formal federal filing with the Consumer Financial Protection Bureau — the last resort, after everything else has failed. Research published by the CFPB suggests only around 5% of consumers who experience a serious problem ever file officially. The numbers below are the visible tip.
| What it means in plain English | Risk level |
|---|---|
6.86 complaints per 1,000 estimated customers Synchrony Financial | Outlier |
2.07 complaints per 1,000 estimated customers Capital One | High |
0.53 complaints per 1,000 estimated customers Chase | Moderate |
0.32 complaints per 1,000 estimated customers Goldman Sachs — among the lowest complaint rates of major banks | Low |
These are not complaints to customer service. These are formal filings with the US federal government, on permanent public record — the step consumers take after every other avenue has failed. How we calculate complaint rates →
Rate = CFPB complaints / estimated customers × 1,000 — Source: CFPB + FDIC BankFind