tensorust/cfpb-complaint-spikes-sample

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