Describing the example scenario

The CFPB is a U.S. government agency that implements and enforces federal consumer financial law. It empowers consumers by providing useful information and educational materials. It supervises financial institutions and companies to ensure that markets for consumer financial products are fair, transparent, and competitive. It also accepts complaints from consumers and helps connect them with financial companies to get direct responses about their problems. The CFPB regularly shares this data with state and federal agencies and presents reports to Congress. Accordingly, the CFPB closely monitors the incoming complaints data and their responses to identify key patterns in the problems that consumers are facing.

The CFPB makes complaint data available for public use by publishing complaints to the Consumer Complaint Database (https://www.consumerfinance.gov/data-research/consumer-complaints/). Complaints that are sent to companies are only included in...