CFPB Consumer Complaint Profile
Gemini Direct LLC, dba Credit Innovation Group
Behind the CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 13
- Total complaints
- Below average
- 0
- Last 12 months
- 46.2%
- Timely response
- Bottom decile
- 9
- States affected
The verdict
By CFPB complaint volume, Gemini Direct LLC, dba Credit Innovation Group is #3408 out of 3,843 financial companies. On response speed it sits at the 3rd percentile among companies with 100+ complaints.
- Credit reporting, cr…
- most-complained product
- FL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Gemini Direct LLC, dba Credit Innovation Group vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
46.2% Among the lowest higher than 3% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 1 |
| 2020 | 2 |
| 2022 | 2 |
| 2023 | 5 |
| 2024 | 2 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Gemini Direct LLC, dba Credit Innovation Group
In the CFPB record, Gemini Direct LLC, dba Credit Innovation Group has a geographically concentrated complaint footprint. "Credit reporting, credit repair services, or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Confusing or misleading advertising or marketing" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is well below the 95% industry benchmark and is a material red flag: late or missing responses are one of the strongest predictors of CFPB supervisory interest. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Gemini Direct LLC, dba Credit Innovation Group have?
Gemini Direct LLC, dba Credit Innovation Group has 13 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Gemini Direct LLC, dba Credit Innovation Group respond to complaints on time?
Gemini Direct LLC, dba Credit Innovation Group's CFPB timely-response rate is 46.2%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Gemini Direct LLC, dba Credit Innovation Group?
The most complained-about product for Gemini Direct LLC, dba Credit Innovation Group is "Credit reporting, credit repair services, or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Gemini Direct LLC, dba Credit Innovation Group?
"Confusing or misleading advertising or marketing" is the single most frequently cited issue in complaints against Gemini Direct LLC, dba Credit Innovation Group - see all issues and counts above.
How do I file a complaint against Gemini Direct LLC, dba Credit Innovation Group?
You can file a complaint against Gemini Direct LLC, dba Credit Innovation Group directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Gemini Direct LLC, dba Credit Innovation Group?
Consumers in 9 states and territories have filed complaints about Gemini Direct LLC, dba Credit Innovation Group with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.