Total complaints
10
Filed since 2018
2026 data Public-data reference. official source
Gemini Direct LLC, dba Credit Innovation Group
10 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
10 consumer complaints filed with the CFPB
This profile shows Gemini Direct LLC, dba Credit Innovation Group's complaint history from CFPB public records. 10 consumers have filed complaints since 2018. The company has a 40% timely response rate and has provided relief in 70% of cases.
10
Total Complaints
40%
Timely Response
0%
Disputed
70%
Relief Provided
7
States Active
2018
Since
Timely response
40%
CFPB-tracked response window
Relief rate
70%
Closed with monetary or non-monetary relief
Timely response rate 40.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 70.0%
Industry median
Share closed with monetary or non-monetary relief.
Gemini Direct LLC, dba Credit Innovation Group complaint mix by product
- Credit reporting, 8 80.0% – 63% relief
- Debt or 2 20.0% – 100% relief
How Gemini Direct LLC, dba Credit Innovation Group's 10 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 | 8 |
| Debt or credit management | 2 |
Top States
| State | Complaints |
|---|---|
| FL | 3 |
| CO | 2 |
| DC | 1 |
| PA | 1 |
| WV | 1 |
| LA | 1 |
| MI | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Confusing or misleading advertising or marketing | 3 |
| Fraud or scam | 3 |
| Didn't provide services promised | 1 |
| Excessive fees | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Problem with customer service | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 1 | 0% |
| 2020 | 2 | 50% |
| 2022 | 2 | 0% |
| 2023 | 3 | 33.3% |
| 2024 | 1 | 100% |
| 2025 | 1 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Gemini Direct LLC, dba Credit Innovation Group
Gemini Direct LLC, dba Credit Innovation Group has accumulated 10 consumer complaints in the CFPB public database, with filings active across 7 U.S. states. Of those submissions, 5 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2018, and the most recent logged activity is 2025-01-10, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Gemini Direct LLC, dba Credit Innovation Group reports a 40% timely-response rate and has closed 30% of cases with a written explanation to the consumer. 70% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Credit reporting, credit repair services, or other personal consumer reports", and the single most common underlying issue is "Confusing or misleading advertising or marketing".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Gemini Direct LLC, dba Credit Innovation Group: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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.
Frequently Asked Questions
How many CFPB complaints does Gemini Direct LLC, dba Credit Innovation Group have?
Gemini Direct LLC, dba Credit Innovation Group has received 10 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Gemini Direct LLC, dba Credit Innovation Group respond to complaints on time?
Gemini Direct LLC, dba Credit Innovation Group has a 40% timely response rate to CFPB complaints.
What is the most common complaint about Gemini Direct LLC, dba Credit Innovation Group?
The most common issue reported against Gemini Direct LLC, dba Credit Innovation Group is "Confusing or misleading advertising or marketing" in the "Credit reporting, credit repair services, or other personal consumer reports" product category.
Read our methodology — how this data is sourced, computed, and verified.
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