Datasets:

tensorust
/

cfpb-complaint-spikes-sample

---
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/](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/](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

	---
	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/](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/](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