CFPB Consumer Complaint Profile

Island Finance Puerto Rico

What 53 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Reviewed byPlaincredit Editorial, Consumer Credit Editorial Team · June 16, 2026

53
Total complaints: 8
Last 12 months: 98.1%
Timely response: 6
States affected

The verdict

Island Finance Puerto Rico ranks #1777 of 3,848 financial companies by CFPB complaint volume, with 53 complaints on record. It answers 98.1% of complaints on time — above the 93% median for companies with 100+ complaints.

#1777
of 3,848 companies by volume: 98.1%
answered on time: Credit reporting, cr…
most-complained product: 6
states with complaints

Island Finance Puerto Rico timely response rate 98.1%

Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Complaints by Product

Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 14

Credit reporting or other personal consumer reports — Credit reporting 13

Payday loan, title loan, or personal loan — Installment loan 6

Debt collection — I do not know 5

Payday loan, title loan, personal loan, or advance loan — Installment loan 3

Debt collection — Other debt 3

Debt collection — Payday loan debt 3

Payday loan, title loan, or personal loan — Personal line of credit 3

Debt collection — Mortgage debt 1

Debt collection — Auto debt 1

Top Issues

1.Improper use of your report 14

2.Incorrect information on your report 12

3.Attempts to collect debt not owed 6

4.Charged fees or interest you didn't expect 5

5.Communication tactics 4

6.Problem when making payments 1

7.Problem with a credit reporting company's investigation into an existing problem 1

8.Problem with the payoff process at the end of the loan 1

9.Threatened to contact someone or share information improperly 1

10.Getting a line of credit 1

Complaints by Year

Year	Complaints
2018	4
2019	7
2020	4
2021	3
2022	10
2023	8
2024	8
2025	7
2026	2

Complaints by State (Top 15)

Puerto Rico 39

Pennsylvania 4

Texas 4

Florida 3

Massachusetts 2

Illinois 1

Company Responses

Closed with explanation 53

What the CFPB Complaint Record Shows for Island Finance Puerto Rico

The CFPB Consumer Complaint Database has logged 53 complaints against Island Finance Puerto Rico overall, with 8 of those filed in the trailing 12 months. Reports have come from consumers in 6 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Credit reporting, credit repair services, 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 "Improper use of your report" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Island Finance Puerto Rico's timely response rate stands at 98.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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.

Frequently Asked Questions

How many CFPB complaints does Island Finance Puerto Rico have?

Island Finance Puerto Rico has 53 total consumer complaints filed with the CFPB, with 8 filed in the last 12 months.

Does Island Finance Puerto Rico respond to complaints on time?

Island Finance Puerto Rico has a 98.1% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Island Finance Puerto Rico?

The most complained-about product for Island Finance Puerto Rico is "Credit reporting, credit repair services, or other personal consumer reports." You can view the full product breakdown on this page.

What is the most common complaint issue with Island Finance Puerto Rico?

The most common issue reported by consumers about Island Finance Puerto Rico is "Improper use of your report." All complaint issues are listed above with their counts.

How do I file a complaint against Island Finance Puerto Rico?

You can file a complaint against Island Finance Puerto Rico 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 Island Finance Puerto Rico?

Consumers in 6 states and territories have filed complaints about Island Finance Puerto Rico with the CFPB.

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Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology — how this data is sourced, computed, and verified.

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