this data base, how important is that. it is powerfully important and right there in the statute. the statute when we created the cfpb said that consumers can file complaints. so just assume you get cheated out of $10 on your checking account and they put a charge in and you think it is wrong and they won t resolve it or somebody won t give you back $15,000 down payment on your house, or your student loan services won t answer the phone or put you in the wrong program, where do you go to fix that and the answer is you could file a complaint with the consumer financial protection bureau. it is cfpb.gov and theresy button for complaint and fill out the information and the complaint goes in and the consumer agency sends it on to the creditor you re complaining about and they get resolved. not all of them. not 100% of the time. but they re getting complaints resolved literally and hundreds of thousands of complaints that are getting resolves.