<?xml version="1.0"?>
<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>
    <periodOfReport>2003-10-22</periodOfReport>
    <notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000023675</issuerCik>
        <issuerName>CNF INC</issuerName>
        <issuerTradingSymbol>CNF</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001201921</rptOwnerCik>
            <rptOwnerName>SCHMOLLER EBERHARD G H</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>3240 HILLVIEW AVENUE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>PALO ALTO</rptOwnerCity>
            <rptOwnerState>CA</rptOwnerState>
            <rptOwnerZipCode>94304</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Sr VP, Gen Counsel and Sec</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>
  <nonDerivativeTable>
    <nonDerivativeHolding>
      <securityTitle>
          <value>Common Stock</value>
              <footnoteId id="F1" />
      </securityTitle>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>8539.0000</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>D</value>
          </directOrIndirectOwnership>
      </ownershipNature>
   </nonDerivativeHolding>
    <nonDerivativeHolding>
      <securityTitle>
          <value>Common Stock</value>
              <footnoteId id="F1" />
      </securityTitle>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>2175.0000</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>D</value>
          </directOrIndirectOwnership>
      </ownershipNature>
   </nonDerivativeHolding>
   <nonDerivativeTransaction>
      <securityTitle>
          <value>Common Stock</value>
              <footnoteId id="F2" />
      </securityTitle>
      <transactionDate>
          <value>2003-10-03</value>
      </transactionDate>
      <deemedExecutionDate>
          <value>2003-10-03</value>
      </deemedExecutionDate>
      <transactionCoding>
          <transactionFormType>4</transactionFormType>
          <transactionCode>J</transactionCode>
          <equitySwapInvolved>0</equitySwapInvolved>
      </transactionCoding>
      <transactionTimeliness>
      <value />
      </transactionTimeliness>
      <transactionAmounts>
          <transactionShares>
              <value>4.8350</value>
          </transactionShares>
          <transactionPricePerShare>
              <value>0</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>A</value>
          </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>1412.3830</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>I</value>
          </directOrIndirectOwnership>
          <natureOfOwnership>
              <value>401(k) Plan</value>
          </natureOfOwnership>
      </ownershipNature>
   </nonDerivativeTransaction>
   <nonDerivativeTransaction>
      <securityTitle>
          <value>Common Stock</value>
      </securityTitle>
      <transactionDate>
          <value>2003-10-22</value>
      </transactionDate>
      <deemedExecutionDate>
          <value>2003-10-22</value>
      </deemedExecutionDate>
      <transactionCoding>
          <transactionFormType>4</transactionFormType>
          <transactionCode>M</transactionCode>
          <equitySwapInvolved>0</equitySwapInvolved>
      </transactionCoding>
      <transactionTimeliness>
      <value />
      </transactionTimeliness>
      <transactionAmounts>
          <transactionShares>
              <value>24211.0000</value>
          </transactionShares>
          <transactionPricePerShare>
              <value>16.2556</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>A</value>
          </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>53948.0000</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>I</value>
          </directOrIndirectOwnership>
          <natureOfOwnership>
              <value>By trust</value>
              <footnoteId id="F3" />
          </natureOfOwnership>
      </ownershipNature>
   </nonDerivativeTransaction>
  </nonDerivativeTable>
  <derivativeTable>
   <derivativeTransaction>
      <securityTitle>
          <value>Employee Stock Option Grant-Right to buy</value>
      </securityTitle>
      <conversionOrExercisePrice>
          <value>16.2556</value>
      </conversionOrExercisePrice>
      <transactionDate>
          <value>2003-10-22</value>
      </transactionDate>
      <deemedExecutionDate>
          <value>2003-10-22</value>
      </deemedExecutionDate>
      <transactionCoding>
          <transactionFormType>4</transactionFormType>
          <transactionCode>M</transactionCode>
          <equitySwapInvolved>0</equitySwapInvolved>
      </transactionCoding>
      <transactionAmounts>
          <transactionShares>
              <value>24211.0000</value>
          </transactionShares>
          <transactionPricePerShare>
              <value>16.2556</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>D</value>
          </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <exerciseDate>
          <value>1994-10-25</value>
      </exerciseDate>
      <expirationDate>
          <value>2003-10-25</value>
      </expirationDate>
      <underlyingSecurity>
          <underlyingSecurityTitle>
              <value>Common Stock</value>
          </underlyingSecurityTitle>
          <underlyingSecurityShares>
              <value>24211.0000</value>
          </underlyingSecurityShares>
      </underlyingSecurity>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>0.0000</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>D</value>
          </directOrIndirectOwnership>
      </ownershipNature>
   </derivativeTransaction>
  </derivativeTable>
<footnotes>
   <footnote id="F1">Transfer of 2,175 shares from direct holdings to community property.</footnote>
   <footnote id="F2">These shares were acquired under the CNF Thrift and Stock Plan at a price of $25.38 per share, in a transaction that was exempt f
rom Section 16(b) by virture of Rule 16(b)-3.</footnote>
   <footnote id="F3">These shares are held in a trust in which the reporting person and his spouse are the settlers, trustees and beneficiaries.
      </footnote>
</footnotes>
<remarks></remarks>    <ownerSignature>
       <signatureName>Gary S. Cullen, Attorney-in-Fact</signatureName>
       <signatureDate>2003-10-23</signatureDate>
    </ownerSignature>
</ownershipDocument>

