Data / Consumer complaints / Happy Money, Inc.
Happy Money, Inc.: 230 CFPB consumer complaints in the last 3 years
Happy Money, Inc. drew 230 consumer complaints in the CFPB database in the three years to November 6, 2026, and 363 since 2018. The largest group, 115, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 88. The company responded on time to 72.6% of the complaints, and 0.0% closed with monetary or other relief.
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- 230Complaints, last 3 years
- 363Complaints, all years
- 72.6%Responded on time
- 0.0%Closed with relief
- 6Products
- Oct 7, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 68 |
| 2025 | 103 |
| 2024 | 48 |
| 2023 | 51 |
| 2022 | 28 |
| 2021 | 31 |
| 2020 | 16 |
| 2019 | 14 |
| 2018 | 4 |
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 | 115 | 50% |
| Payday loan, title loan, personal loan, or advance loan | 61 | 26.5% |
| Debt collection | 51 | 22.2% |
| Checking or savings account | 1 | 0.4% |
| Debt or credit management | 1 | 0.4% |
| Money transfer, virtual currency, or money service | 1 | 0.4% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 88 | 38.3% |
| Problem with a company's investigation into an existing problem | 28 | 12.2% |
| Took or threatened to take negative or legal action | 18 | 7.8% |
| Attempts to collect debt not owed | 17 | 7.4% |
| Improper use of your report | 17 | 7.4% |
| Problem when making payments | 12 | 5.2% |
| Getting the loan | 10 | 4.3% |
| False statements or representation | 9 | 3.9% |
| Written notification about debt | 7 | 3% |
| Charged fees or interest you didn't expect | 6 | 2.6% |
| Struggling to pay your loan | 6 | 2.6% |
| Problem with the payoff process at the end of the loan | 3 | 1.3% |
| Problem with additional add-on products or services | 2 | 0.9% |
| Confusing or missing disclosures | 1 | 0.4% |
| Credit monitoring or identity theft protection services | 1 | 0.4% |
| Didn't provide services promised | 1 | 0.4% |
| Fraud or scam | 1 | 0.4% |
| Getting a line of credit | 1 | 0.4% |
| Opening an account | 1 | 0.4% |
| Problem with a company's investigation into an existing issue | 1 | 0.4% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 230 | 100% |
States
| State | Complaints | Share |
|---|---|---|
| California | 33 | 14.3% |
| New York | 28 | 12.2% |
| Florida | 23 | 10% |
| Texas | 23 | 10% |
| Georgia | 15 | 6.5% |
| Pennsylvania | 12 | 5.2% |
| Arizona | 8 | 3.5% |
| Maryland | 8 | 3.5% |
| New Jersey | 8 | 3.5% |
| Tennessee | 8 | 3.5% |
| Illinois | 7 | 3% |
| Louisiana | 6 | 2.6% |
| North Carolina | 6 | 2.6% |
| South Carolina | 5 | 2.2% |
| Virginia | 5 | 2.2% |
| Colorado | 4 | 1.7% |
| Connecticut | 4 | 1.7% |
| Mississippi | 3 | 1.3% |
| Ohio | 3 | 1.3% |
| Oklahoma | 3 | 1.3% |
| Washington | 3 | 1.3% |
| District of Columbia | 2 | 0.9% |
| Indiana | 2 | 0.9% |
| Michigan | 2 | 0.9% |
| Utah | 2 | 0.9% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 7, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 25, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 24, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 23, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| August 14, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 9, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| August 3, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 17, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| July 8, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 29, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 27, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| June 18, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| June 16, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| June 16, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| June 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| June 9, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 7, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| May 30, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| May 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| May 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Credit monitoring or identity theft protection services | Closed with explanation | consumerfinance.gov |
| May 12, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| May 6, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 4, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| May 2, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| May 2, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| May 1, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| April 27, 2026 | Debt or credit management | Didn't provide services promised | Closed with explanation | consumerfinance.gov |
| April 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| April 23, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing issue | Closed with explanation | consumerfinance.gov |
| April 20, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| April 19, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| April 17, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 10, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 5, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| March 27, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| March 24, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| March 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| March 12, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| March 11, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| March 9, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| March 4, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| March 4, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| February 27, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Debt collection complaints
- Every company with Checking or savings account complaints
- Consumer complaints in California
- Consumer complaints in New York
- Consumer complaints in Texas
- All consumer complaints
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. 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. Spot a wrong value? Write to [email protected] with the link to this page.