CFPB · Narrative-heavy record
Gemini Direct LLC, dba Credit Innovation Group
14 CFPB complaints · 57.1% with narratives · top issue Fraud or scam.
Gemini Direct LLC, dba Credit Innovation Group: 57.1% of 14 filings include consumer narratives. Timely 42.9% · relief 64.3% · top product Credit reporting, credit repair services, or other personal consumer reports. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2018 to 2026
CFPB relief outcome brief
CCDB company gemini-direct-llc-dba-credit-innovation-group
64.3% relief · 42.9% timely · 14 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: Accurate Background (39.8% relief)
Gemini Direct LLC, dba Credit Innovation Group closes 64.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Gemini Direct LLC, dba Credit Innovation Group's 14 filings include narrative text
57.1% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Gemini Direct LLC, dba Credit Innovation Group complaint mix by product
- Credit reporting, 9 64.3% – 67% relief
- Debt or 4 28.6% – 75% relief
- Money transfer, 1 7.1% – 0% relief
How Gemini Direct LLC, dba Credit Innovation Group's 14 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 9 |
| Debt or credit management | 4 |
| Money transfer, virtual currency, or money service | 1 |
Where Gemini Direct LLC, dba Credit Innovation Group complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 21.4% of this company's filings
Gemini Direct LLC, dba Credit Innovation Group complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2018
Top States
| State | Complaints |
|---|---|
| FL | 3 |
| CO | 2 |
| CA | 2 |
| DC | 1 |
| WV | 1 |
| TX | 1 |
| MI | 1 |
| NV | 1 |
| LA | 1 |
| PA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Fraud or scam | 3 |
| Didn't provide services promised | 3 |
| Confusing or misleading advertising or marketing | 3 |
| Credit monitoring or identity theft protection services | 2 |
| Problem with customer service | 1 |
| Excessive fees | 1 |
| Unexpected or other fees | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 1 | 0% |
| 2020 | 2 | 50% |
| 2022 | 2 | 0% |
| 2023 | 5 | 60% |
| 2024 | 2 | 50% |
| 2025 | 1 | 100% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Gemini Direct LLC, dba Credit Innovation Group's narrative-rich complaint ledger
Gemini Direct LLC, dba Credit Innovation Group's 14 logged complaints stay concentrated: only 10 states show a filing. 57.1% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2026-04-05.
Gemini Direct LLC, dba Credit Innovation Group answers 42.9% of complaints inside the CFPB's tracked window and closes 28.6% with a written explanation. 64.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" draws the most filings, most often for "Fraud or scam."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Gemini Direct LLC, dba Credit Innovation Group.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Gemini Direct LLC, dba Credit Innovation Group: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 14.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 42.9%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Gemini Direct LLC, dba Credit Innovation Group (42.9% timely; 64.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record