vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
VANCEHUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Credit Bureau Representative, I am writing to formally dispute and request corrections to my credit file under the provisions of the Fair Credit Reporting Act ( FCRA 605B, 609, 611 ), the Fair Credit Billing Act ( FCBA ), and applicable Texas state laws including the XXXX  Business & Commerce Code ( 20.0620.12 ), the XXXX Finance Code ( 392.202 ), and the XXXX  Identity Theft Enforcement and Protection Act ( 521.001 et seq. ). 
* * Personal Information Corrections * * Please remove all incorrect or outdated information associated with my credit report, including prior names ( XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ). Ensure my current and only valid information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX * * Unauthorized Inquiries to Remove * * The following inquiries were not authorized by me and must be deleted from my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX * * Account Updates Requested * * Please verify and update the following accounts to reflect PAID IN FULL, {$0.00} balance, and CLOSED BY CONSUMER in good standing : XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$290.00} XXXX XXXX  {$7100.00} XXXX XXXX  ( XXXX  ) {$4300.00} Additionally, please verify or remove the County of XXXX XXXX XXXX XXXX Account ) entry if it can not be validated. 
* * Legal Compliance * * Per FCRA 611, you are required to reinvestigate these disputes within XXXX  days of receipt and provide written verification or deletion of any unverifiable information. Under XXXX  law ( Business & Commerce Code 20.06 ), you must complete this process promptly and issue written confirmation once corrections are made. 
Please mail a corrected copy of my credit report reflecting all updates and deletions to my verified address above. I appreciate your immediate attention to ensuring the accuracy and integrity of my credit profile. 
Sincerely, XXXX XXXX XXXX Signature : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Credit Bureau Representative, I am writing to formally dispute and request corrections to my credit file under the provisions of the Fair Credit Reporting Act ( FCRA 605B, 609, 611 ), the Fair Credit Billing Act ( FCBA ), and applicable Texas state laws including the XXXX  Business & Commerce Code ( 20.0620.12 ), the XXXX Finance Code ( 392.202 ), and the XXXX  Identity Theft Enforcement and Protection Act ( 521.001 et seq. ). 
* * Personal Information Corrections * * Please remove all incorrect or outdated information associated with my credit report, including prior names ( XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ). Ensure my current and only valid information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX * * Unauthorized Inquiries to Remove * * The following inquiries were not authorized by me and must be deleted from my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX * * Account Updates Requested * * Please verify and update the following accounts to reflect PAID IN FULL, {$0.00} balance, and CLOSED BY CONSUMER in good standing : XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$290.00} XXXX XXXX  {$7100.00} XXXX XXXX  ( XXXX  ) {$4300.00} Additionally, please verify or remove the County of XXXX XXXX XXXX XXXX Account ) entry if it can not be validated. 
* * Legal Compliance * * Per FCRA 611, you are required to reinvestigate these disputes within XXXX  days of receipt and provide written verification or deletion of any unverifiable information. Under XXXX  law ( Business & Commerce Code 20.06 ), you must complete this process promptly and issue written confirmation once corrections are made. 
Please mail a corrected copy of my credit report reflecting all updates and deletions to my verified address above. I appreciate your immediate attention to ensuring the accuracy and integrity of my credit profile. 
Sincerely, XXXX XXXX XXXX Signature : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After retrieving my credit report, I have numerous inquiries on my credit profile that I did not authorize. This has been an ongoing going occurring issue with these credit bureaus, they are allowing fraud and identity theft actions go through and ruin peoples credit. I have addresses that do not belong to me. I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After retrieving my credit report, I have numerous inquiries on my credit profile that I did not authorize. This has been an ongoing going occurring issue with these credit bureaus, they are allowing fraud and identity theft actions go through and ruin peoples credit. I have addresses that do not belong to me. I want them removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Summary of the Issue : A collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being inaccurately reported on my credit report by TransUnion, despite the fact that the alleged debt was legally resolved in court. I won the case under case number XXXX, and the court judgment clearly shows I am not responsible for this debt. 

Details : I filed a dispute with TransUnion regarding this account. 
TransUnion completed their investigation and stated that the account was verified as accurate by the furnisher.

This verification directly contradicts the court ruling.

Continued reporting of this account is a violation of FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ) and FDCPA 807 ( 8 ) ( misrepresentation of legal status of a debt ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am submitting this follow-up in response to LexisNexiss XX/XX/year> letter regarding CFPB XXXX # XXXX. 

LexisNexis marked my bankruptcy dispute ( Case # XXXX ) as frivolous under Section 611 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) without providing the legally required description of how the bankruptcy information was verified.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ), I have a right to receive : A description of the procedure LexisNexis used to verify the accuracy and completeness of the bankruptcy information, including The business name, address, and phone number of any furnisher of information contacted.

I have contacted the U.S. Bankruptcy Court, and they confirmed that they do not furnish information to any credit reporting agencies, including LexisNexis. Therefore, if the bankruptcy court is listed as a furnisher, that reporting is false and misleading under 1681e ( b ) and 1681i ( a ).

I am requesting that the CFPB direct LexisNexis to provide : 1. The full verification procedure, 2. The source or furnisher of the alleged bankruptcy record, and 3. Any supporting documentation used to verify the accuracy of this item.

If LexisNexis can not provide this information or validate the record the bankruptcy should be deleted from my LexisNexis consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section

605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : FRAUDU
LENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to
commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year>, I paid {$1100.00} to XXXX XXXX XXXX. via PayPal. The order contained two pairs at {$320.00} each and one pair at {$460.00}. 

I returned the {$460.00} pair and received a merchant refund on XX/XX/year> ( to my XXXX ending XXXX ). 

One of the {$320.00} pairs was never delivered. Because XXXX would not help, I filed a chargeback with my card issuer ( XXXX ). XXXX credited {$320.00} ( posted XX/XX/year> ) and later finalized the chargeback in my favor. 

PayPal then incorrectly merged the {$320.00} chargeback with the unrelated {$460.00} merchant refund and left my PayPal account with a negative balance of - {$320.00}, claiming duplicate credit. 

These are 3 different items and two different refund sources ( merchant refund vs. card-issuer chargeback ). PayPals system error caused the negative balance.

Im asking CFPB to require PayPal to remove the - {$320.00} negative balance and restore the {$460.00} refund record as a separate, valid merchant refund. 

References : PayPal Case XXXX ; PayPal refund record shows {$460.00} XXXX XX/XX/year>XXXX XXXX XXXX reference XXXX ; PayPal transaction ID shown on the refund screen XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I have been getting repeated calls from a company on my caller id it states Williams and fudge law firm. When I had time to call back the agent gave me information on the debt prior to telling me that this was in fact a collection agency and providing the XXXX  XXXX. They have been sending text messages stating my maiden name which I have not used since XXXX. When I attempted to get more information the agent decided to over talk me and scream that I keep hanging up on people although Ive never answered any of their calls. I attempted to explain XXXX call screening features and the agent became irate so I ended the call.

Company response to consumer: Closed with explanation