What is the most common complaint against Unifin Inc.?

The most common issue consumers report about Unifin Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 988 complaints filed with the CFPB.

Are complaints against Unifin Inc. increasing or decreasing?

Complaints against Unifin Inc. are rising. The company received 343 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Unifin Inc.'s reputation grade?

Unifin Inc. has a reputation grade of D (score: 53.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Unifin Inc. respond to consumer complaints?

Unifin Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.

In how many states does Unifin Inc. operate?

Unifin Inc. has received CFPB complaints from consumers in 50 states, with the most complaints from California (112 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Unifin Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

370
Electronic communications

196
Communication tactics

149
Written notification about debt

112
False statements or representation

60
Took or threatened to take negative or legal action

48

Data updated September 2026

CFPB complaint disposition

CCDB record unifin-inc Unifin Inc.

Grade D · 988 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #156 · compose #3578

VOL 988
GRADE D
12MO 343
STATES 50
TIMELY 99%
DISPUTE 19%
ISSUE Attempts to collect debt n…
RANK #156
COMPOSE #3,578

Volume peers

Nearest volume peer: Pinnacle Credit Services, LLC (990 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Unifin Inc.'s 988 CFPB complaints sit next to Pinnacle Credit Services, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Unifin Inc. spreads filings across 50 states - California leads at only 11.3%

Despite a broad state map, Unifin Inc. still sits volume #156 against composite #3,578 - the two RankMaps diverge by 3,422 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 11.3% across 50 states
Seasonal peak: 2026-01 9.7%; 8–15% band · 469 filings
Divergent corpus ranks: #156 volume; #3,578 composite; Cleanest-composite ladder is 3,422 places worse than volume

How does Unifin Inc. compare to its peers?

How does Unifin Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Unifin Inc. National average

Complaints (last 12 mo)lower is better

343

268

Timely-response ratehigher is better

99%

100%

91%

Consumer-dispute ratelower is better

19%

27%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	370
Electronic communications	196
Communication tactics	149
Written notification about debt	112
False statements or representation	60
Took or threatened to take negative or legal action	48
Threatened to contact someone or share information improperly	43
Improper contact or sharing of info	4
Cont'd attempts collect debt not owed	3
Disclosure verification of debt	2

Where do complaints against Unifin Inc. come from?

Unifin Inc.'s own per-state count, not a national baseline.

California

112
Florida

87
Texas

80
New York

59
Georgia

53
Illinois

45
Pennsylvania

38
Maryland

33

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Unifin Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 988.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.89867841409692%.

4 peers

Know your rights before responding to Unifin Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.