CFPB Consumer Complaint Profile
Carma Enterprises Inc
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 33
- Total complaints
- Mid-range
- 11
- Last 12 months
- 78.8%
- Timely response
- Bottom decile
- 15
- States affected
The verdict
Carma Enterprises Inc ranks #2243 of 3,843 financial companies by CFPB complaint volume. For answering complaints on time it stands at the 9th percentile in the 100+ complaint peer group.
- Credit reporting or …
- most-complained product
- NV
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Carma Enterprises Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
78.8% Among the lowest higher than 9% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 3 |
| 2016 | 6 |
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 2 |
| 2023 | 1 |
| 2024 | 5 |
| 2025 | 10 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Carma Enterprises Inc
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Carma Enterprises Inc, with consumers across the country filing against it. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Carma Enterprises Inc: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Carma Enterprises Inc have?
33 complaints have been filed against Carma Enterprises Inc with the CFPB overall - 11 of them in the past year.
Does Carma Enterprises Inc respond to complaints on time?
Carma Enterprises Inc's CFPB timely-response rate is 78.8%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Carma Enterprises Inc?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Carma Enterprises Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Carma Enterprises Inc?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Carma Enterprises Inc - see all issues and counts above.
How do I file a complaint against Carma Enterprises Inc?
You can file a complaint against Carma Enterprises Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Carma Enterprises Inc?
Consumers in 15 states and territories have filed complaints about Carma Enterprises Inc with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.