VIRTUOSO SOURCING GROUP, LLC.

CFPB Consumer Complaint Profile

212
Total Complaints
15
Last 12 Months
67.5%
Timely Response
35
States Affected
VIRTUOSO SOURCING GROUP, LLC. timely response rate 67.5%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — Other debt 74
Debt collection — Other (i.e. phone, health club, etc.) 72
Debt collection — I do not know 40
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 7
Debt collection — Telecommunications debt 5
Debt collection — Medical 3
Credit reporting or other personal consumer reports — Credit reporting 2
Debt collection — Federal student loan 1
Debt collection — Credit card 1
Consumer Loan — Installment loan 1

Top Issues

1.Cont'd attempts collect debt not owed 52
2.Attempts to collect debt not owed 45
3.Communication tactics 25
4.Written notification about debt 24
5.False statements or representation 21
6.Disclosure verification of debt 20
7.Took or threatened to take negative or legal action 8
8.Incorrect information on your report 5
9.Threatened to contact someone or share information improperly 3
10.Problem with a credit reporting company's investigation into an existing problem 2

Complaints by Year

Year Complaints
2013 10
2014 28
2015 29
2016 23
2017 22
2018 32
2019 21
2020 1
2021 2
2022 5
2023 13
2024 9
2025 14
2026 3

Complaints by State (Top 15)

Texas 29
Florida 19
California 19
Georgia 11
Illinois 11
Colorado 10
New York 10
Ohio 9
Washington 8
Wisconsin 8
Nevada 6
Arizona 6
Virginia 6
Alabama 5
Missouri 5

Company Responses

Closed with explanation 95
Closed 82
Untimely response 35

What the CFPB Complaint Record Shows for VIRTUOSO SOURCING GROUP, LLC.

The CFPB Consumer Complaint Database has logged 212 complaints against VIRTUOSO SOURCING GROUP, LLC. overall, with 15 of those filed in the trailing 12 months. Reports have come from consumers in 35 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Cont'd attempts collect debt not owed" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

VIRTUOSO SOURCING GROUP, LLC.'s timely response rate stands at 67.5%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That 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. Consumers formally disputed the company's response in 8.3% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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.

Frequently Asked Questions

How many CFPB complaints does VIRTUOSO SOURCING GROUP, LLC. have?

VIRTUOSO SOURCING GROUP, LLC. has 212 total consumer complaints filed with the CFPB, with 15 filed in the last 12 months.

Does VIRTUOSO SOURCING GROUP, LLC. respond to complaints on time?

VIRTUOSO SOURCING GROUP, LLC. has a 67.5% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.

What product generates the most complaints for VIRTUOSO SOURCING GROUP, LLC.?

The most complained-about product for VIRTUOSO SOURCING GROUP, LLC. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with VIRTUOSO SOURCING GROUP, LLC.?

The most common issue reported by consumers about VIRTUOSO SOURCING GROUP, LLC. is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against VIRTUOSO SOURCING GROUP, LLC.?

You can file a complaint against VIRTUOSO SOURCING GROUP, LLC. 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 VIRTUOSO SOURCING GROUP, LLC.?

Consumers in 35 states and territories have filed complaints about VIRTUOSO SOURCING GROUP, LLC. with the CFPB.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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