Total CFPB complaints
908
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 908 complaints
Unifin Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 50 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Unifin Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
316 complaints
- Electronic communications
Electronic communications
163 complaints
- Communication tactics 122
Communication tactics
122 complaints
- Written notification about debt 101
Written notification about debt
101 complaints
- False statements or representation 50
False statements or representation
50 complaints
D
Grade D · 56.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Unifin Inc.?
Unifin Inc. has accumulated 908 total CFPB complaints across 50 states, with 381 filed in the most recent 12 months against 527 historical complaints before that window. The trailing-12-month volume represents 42.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 19% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 50 states, led by California with 102 and Florida with 78, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.1/100 places Unifin Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
381
42.0% of total history
Rising ↑
States active
50
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
D
56.1/100 composite
Response-quality profile
How Unifin Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 37.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 89.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Unifin Inc. compare to its peers?
Unifin Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed316 (%)
Electronic communications163 (%)
Written notification about debt101 (%)
Communication tactics122 (%)
False statements or representation50 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 213 |
| Electronic communications | Frequent or repeated messages | 125 |
| Written notification about debt | Didn't receive enough information to verify debt | 69 |
| Communication tactics | Frequent or repeated calls | 63 |
| Attempts to collect debt not owed | Debt was result of identity theft | 61 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 59 |
| False statements or representation | Attempted to collect wrong amount | 50 |
| Attempts to collect debt not owed | Debt was paid | 42 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 38 |
| Written notification about debt | Didn't receive notice of right to dispute | 32 |
Where do complaints against Unifin Inc. come from?
The states where consumers have filed the most CFPB complaints against Unifin Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Unifin Inc.
Across 50 states with at least one filing
- California
California
102 complaints
- Florida
Florida
78 complaints
- Texas
Texas
76 complaints
- New York
New York
58 complaints
- Georgia
Georgia
50 complaints
- Illinois 40
Illinois
40 complaints
- Pennsylvania 33
Pennsylvania
33 complaints
- Virginia 32
Virginia
32 complaints
Frequently Asked Questions
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 908 complaints filed with the CFPB.
Are complaints against Unifin Inc. increasing or decreasing? ▼
Complaints against Unifin Inc. are rising. The company received 381 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: 56.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (102 complaints).
What can I do if Unifin Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Unifin Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |