license: other
license_name: tensorust-sample-license
license_link: https://tensorust.com/datasets/cfpb-complaint-spikes/
pretty_name: Consumer Finance Complaint Spikes (free sample)
language:
- en
tags:
- tensorust
- sample
- compliance-and-sanctions
- government-data
- finance
size_categories:
- n<1K
configs:
- config_name: sample
data_files:
- split: train
path: sample.csv
- config_name: summary
data_files:
- split: train
path: summary_by_top_product_last_12_months.csv
Consumer Finance Complaint Spikes: free sample (Tensorust LLC)
4,962 companies' CFPB complaint volume, growth and untimely responses; 38 are spiking at 2x or more year over year.
Headline: Company-level roll-up of the CFPB Consumer Complaint Database through 2026-10: complaints in the last 12 and 3 months against the year before, untimely responses, relief rates, the top product and the product driving any surge.
This repository is a free teaser, not the dataset. It holds 25 example rows and a summary table with no names in it. The full file has 4,962 rows and is sold by Tensorust LLC: https://tensorust.com/datasets/cfpb-complaint-spikes/.
Files here
| file | what it is |
|---|---|
sample.csv |
25 rows of the full file (the same sample shown on tensorust.com) |
summary_by_top_product_last_12_months.csv |
row counts and totals by top product, last 12 months across the full file, no entity names (groups with fewer than 3 rows are folded into "Other") |
Summary by top product, last 12 months (largest groups)
| Top product, last 12 months | rows | Complaints, last 12 months |
|---|---|---|
| Debt collection | 1,970 | 296,146 |
| (blank) | 791 | 0 |
| Credit reporting or other personal consumer reports | 629 | 6,525,966 |
| Mortgage | 575 | 32,258 |
| Payday loan, title loan, personal loan, or advance loan | 265 | 11,940 |
| Checking or savings account | 183 | 146,008 |
| Vehicle loan or lease | 176 | 22,500 |
| Money transfer, virtual currency, or money service | 127 | 36,951 |
| Debt or credit management | 126 | 1,510 |
| Credit card | 53 | 123,043 |
| Student loan | 48 | 26,169 |
| Prepaid card | 19 | 4,604 |
| TOTAL | 4,962 | 7,227,095 |
Full table: summary_by_top_product_last_12_months.csv.
What the full file has
- 4,962 rows
- Key fields: company, window_last_12m, complaints_last_12m, complaints_prior_12m, complaints_last_3m, complaints_same_3m_prior_year, untimely_last_12m, relief_last_12m, monetary_relief_last_12m, in_progress_now
- Parquet and CSV, a README with sources, method and limits, and the build script
- Free 25-row sample (no personal contact data)
Coverage: 4,962 companies with complaints in the last 24 full months (2024-11 to 2026-10). CFPB complaint database file dated Nov 6, 2026; last full month 2026-10.
Columns in the full file
| column | meaning |
|---|---|
company |
Company as named by CFPB |
window_last_12m |
Months in the last-12 window |
complaints_last_12m |
Complaints received, last 12 full months |
complaints_prior_12m |
The 12 months before that |
complaints_last_3m |
Last 3 full months |
complaints_same_3m_prior_year |
Same 3 months a year earlier |
untimely_last_12m |
Responses not timely (last 12m) |
relief_last_12m |
Closed with monetary or non-monetary relief (last 12m) |
monetary_relief_last_12m |
Closed with monetary relief (last 12m) |
in_progress_now |
Last-12m complaints still in progress |
complaints_since_2023 |
Complaints since Jan 2023 |
yoy_growth_pct |
Last 12m vs prior 12m, percent |
last_3m_vs_prior_year_x |
Last 3m divided by same 3m a year earlier |
untimely_rate_pct |
Untimely share of last-12m complaints |
relief_rate_pct |
Relief share of last-12m complaints |
top_product_last_12m |
Product with most complaints |
top_product_share_pct |
Its share |
surging_product |
Product with the largest 3-month year-over-year increase |
surging_product_added_complaints |
Added complaints in that product |
flag_spike |
50+ complaints in last 3m and at least 2x a year earlier |
flag_yoy_doubling |
100+ in last 12m and up 100 percent or more |
flag_untimely |
25+ complaints and 5 percent or more untimely |
ont_org_id |
Tensorust ontology organization id |
ont_org_sources |
Ontology sources for that org |
Get the full file
| tier | price | includes |
|---|---|---|
| Spike report | $250 | Every flagged company (spike, doubling or untimely) with product drill-down, CSV and Excel. |
| All companies with monthly updates | $1,200 a year | All 4,962 companies refreshed monthly for 12 months, with month-by-product history. |
| Enterprise license | $4,000 a year | Monthly refresh, full company x product x month history since 2023, ontology IDs, internal redistribution. |
Email mattbusel@tensorust.com with the tier and a billing contact, and we will send a proper invoice (ACH or card). The file is delivered once the invoice is paid. Details and the live sample: https://tensorust.com/datasets/cfpb-complaint-spikes/. All datasets: https://tensorust.com/datasets/
Method and limits
The bulk file is streamed and aggregated to company x product x month from Jan 2023; the newest (partial) month is excluded from windows. CFPB publishes a complaint after the company responds or after 15 days, so the latest months understate volume slightly for every company alike. Untimely = "Timely response?" No.
Not a measure of wrongdoing: CFPB does not verify complaints, and volume tracks customer count. No consumer, narrative or ZIP-level data. Not complaint-level records.
Sources
- CFPB Consumer Complaint Database bulk file complaints.csv.zip (downloaded Nov 6, 2026)
- Tensorust ontology organizations
License
The sample and summary here are free to view, analyze and cite with attribution to "Tensorust LLC, https://tensorust.com/datasets/cfpb-complaint-spikes/". The full dataset is licensed separately per tier. No resale or redistribution of Tensorust data without a written license.
Tensorust LLC, Tuckahoe NY. mattbusel@tensorust.com | https://tensorust.com