# Carma Enterprises Inc: 25 CFPB complaints, last 3 years

Updated November 10, 2026.

Carma Enterprises Inc drew 25 consumer complaints in the CFPB database in the three years to November 9, 2026, and 40 since 2015. The largest group, 12, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 7. The company responded on time to 96.0% of the complaints, and 0.0% closed with monetary or other relief.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

- Complaints, last 3 years: 25
- Complaints, all years: 40
- Responded on time: 96.0%
- Closed with relief: 0.0%
- Products: 3
- Latest received: Oct 20, 2026

## Complaints by year

Every year the CFPB database holds for this company, by the date received.

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 10 |
| 2025 | 10 |
| 2024 | 5 |
| 2023 | 1 |
| 2022 | 2 |
| 2021 | 2 |
| 2020 | 1 |
| 2016 | 6 |
| 2015 | 3 |

## Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

| Product | Complaints | Share |
| --- | --- | --- |
| [Credit reporting or other personal consumer reports](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports) | 12 | 48% |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 9 | 36% |
| [Vehicle loan or lease](https://specstream.ai/data/consumer-complaints/product/vehicle-loan-or-lease) | 4 | 16% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Incorrect information on your report | 7 | 28% |
| Attempts to collect debt not owed | 4 | 16% |
| Improper use of your report | 4 | 16% |
| Took or threatened to take negative or legal action | 3 | 12% |
| Getting a loan or lease | 2 | 8% |
| Repossession | 2 | 8% |
| Communication tactics | 1 | 4% |
| Problem with a company's investigation into an existing problem | 1 | 4% |
| Written notification about debt | 1 | 4% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 25 | 100% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Nevada](https://specstream.ai/data/consumer-complaints/state/nevada) | 7 | 28% |
| [Florida](https://specstream.ai/data/consumer-complaints/state/florida) | 4 | 16% |
| [Georgia](https://specstream.ai/data/consumer-complaints/state/georgia) | 2 | 8% |
| [Maryland](https://specstream.ai/data/consumer-complaints/state/maryland) | 2 | 8% |
| [Alabama](https://specstream.ai/data/consumer-complaints/state/alabama) | 1 | 4% |
| [California](https://specstream.ai/data/consumer-complaints/state/california) | 1 | 4% |
| [Connecticut](https://specstream.ai/data/consumer-complaints/state/connecticut) | 1 | 4% |
| [Illinois](https://specstream.ai/data/consumer-complaints/state/illinois) | 1 | 4% |
| [North Carolina](https://specstream.ai/data/consumer-complaints/state/north-carolina) | 1 | 4% |
| [New York](https://specstream.ai/data/consumer-complaints/state/new-york) | 1 | 4% |
| [Ohio](https://specstream.ai/data/consumer-complaints/state/ohio) | 1 | 4% |
| [Pennsylvania](https://specstream.ai/data/consumer-complaints/state/pennsylvania) | 1 | 4% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 1 | 4% |
| [Utah](https://specstream.ai/data/consumer-complaints/state/utah) | 1 | 4% |

## Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| October 20, 2026 | Vehicle loan or lease | Repossession | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/30495975) |
| September 3, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/26370025) |
| July 28, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/24672301) |
| April 26, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21611951) |
| April 6, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20993457) |
| March 25, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20594922) |
| March 25, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20594918) |
| March 5, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20018010) |
| March 4, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19964648) |
| January 6, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18488460) |
| December 23, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18253725) |
| November 6, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17064521) |
| July 18, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14737482) |
| May 5, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13332316) |
| April 8, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12887925) |
| April 6, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12837004) |
| March 27, 2025 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12697952) |
| March 26, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12676884) |
| March 4, 2025 | Vehicle loan or lease | Getting a loan or lease | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12318284) |
| January 14, 2025 | Debt collection | Written notification about debt | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11528840) |
| November 30, 2024 | Vehicle loan or lease | Repossession | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10980415) |
| November 19, 2024 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10878546) |
| August 12, 2024 | Vehicle loan or lease | Getting a loan or lease | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9772573) |
| July 10, 2024 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9478625) |
| July 9, 2024 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9450402) |

## Also on SpecStream

- [Every company with Credit reporting or other personal consumer reports complaints](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports)
- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Every company with Vehicle loan or lease complaints](https://specstream.ai/data/consumer-complaints/product/vehicle-loan-or-lease)
- [Consumer complaints in Nevada](https://specstream.ai/data/consumer-complaints/state/nevada)
- [Consumer complaints in Florida](https://specstream.ai/data/consumer-complaints/state/florida)
- [Consumer complaints in Georgia](https://specstream.ai/data/consumer-complaints/state/georgia)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/). Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB.

Free to reuse with credit to SpecStream under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/).