CFPB Consumer Complaint Profile

Unifin Inc.

Consumers have filed 975 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

975
Total complaints
410
Last 12 months
98.9%
Timely response
51
States affected

The verdict

Unifin Inc. ranks #333 of 3,848 financial companies by CFPB complaint volume, with 975 complaints on record. 98.9% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#333
of 3,848 companies by volume
98.9%
answered on time
Debt collection
most-complained product
51
states with complaints
Unifin Inc. timely response rate 98.9%
Industry benchmark

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

Reading this profile

Complaints by Product

Debt collection - I do not know 447
Debt collection - Credit card debt 243
Debt collection - Other debt 120
Debt collection - Telecommunications debt 52
Credit reporting or other personal consumer reports - Credit reporting 42
Debt collection - Auto debt 20
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 13
Debt collection - Medical debt 11
Credit card - General-purpose credit card or charge card 4
Debt or credit management - Debt settlement 3

Top Issues

1.Attempts to collect debt not owed 336
2.Electronic communications 171
3.Communication tactics 138
4.Written notification about debt 105
5.False statements or representation 59
6.Took or threatened to take negative or legal action 46
7.Threatened to contact someone or share information improperly 39
8.Incorrect information on your report 27
9.Improper use of your report 20
10.Problem with a credit reporting company's investigation into an existing problem 5

Complaints by Year

Year Complaints
2015 12
2016 4
2017 6
2018 18
2019 14
2020 30
2021 73
2022 67
2023 85
2024 174
2025 405
2026 87

Complaints by State (Top 15)

California 114
Florida 90
Texas 86
New York 60
Georgia 53
Illinois 41
Pennsylvania 36
Virginia 33
Maryland 32
New Jersey 29
Arizona 29
Michigan 29
Ohio 24
North Carolina 21
South Carolina 21

Company Responses

Closed with explanation 975

What the CFPB Complaint Record Shows for Unifin Inc.

Unifin Inc. carries 975 complaints in the CFPB's database, 410 of them filed within the past 12 months. Consumers spanning 51 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.

Within the Bureau's 15-day response window, Unifin Inc. answers 98.9% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response in 17.6% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

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 (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 Unifin Inc. have?

975 complaints have been filed against Unifin Inc. with the CFPB overall - 410 of them in the past year.

Does Unifin Inc. respond to complaints on time?

98.9% of the CFPB complaints against Unifin Inc. get a response within the expected window. That puts it among the more responsive companies in the CFPB dataset.

What product generates the most complaints for Unifin Inc.?

"Debt collection" draws more CFPB complaints against Unifin Inc. than any other product - see the full breakdown above.

What is the most common complaint issue with Unifin Inc.?

Consumers most often cite "Attempts to collect debt not owed" when complaining about Unifin Inc.; the full issue list with counts is above.

How do I file a complaint against Unifin Inc.?

You can file a complaint against Unifin 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 Unifin Inc.?

The CFPB has recorded complaints against Unifin Inc. from 51 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

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

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