vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX Name : XXXX Reported Balance : {$370.00} Date XXXX XXXX Name : XXXX XXXX  XXXX Reported Balance : {$570.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : XXXX Date XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Date XXXX INCORRECT ADDRESS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX INQUIRIES LISTED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX INCORRECT NAMES LISTED : 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 2025-03-15 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX Balance {$940.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$2600.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-03-15 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-03-15 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:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Unauthorized Access and Potential FERPA Violation Affecting Student Loan Accounts Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning recent reports of unauthorized access to sensitive student loan data by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which may have resulted in the improper deletion of student loan accounts. 



As a student loan borrower, I am deeply troubled by allegations that DOGE accessed personal information, including Social Security numbers and income data, without proper consent, potentially violating the Family Educational Rights and Privacy Act ( XXXX ). 



This unauthorized access raises significant concerns about the accuracy and integrity of my credit report, especially regarding the status of my student loan accounts. I request that the CFPB investigate this matter thoroughly to ensure that : XXXX. All unauthorized access to student loan data is identified and addressed. 

XXXX. Any inaccuracies or unauthorized deletions in my credit report resulting from this incident are corrected promptly. 

XXXX. Measures are implemented to prevent such breaches in the future, safeguarding borrowers personal and financial information. 



I trust that the CFPB will act swiftly to protect consumers like myself from unauthorized actions that compromise our financial security. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 non-monetary relief
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Unauthorized Access and Potential FERPA Violation Affecting Student Loan Accounts Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning recent reports of unauthorized access to sensitive student loan data by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which may have resulted in the improper deletion of student loan accounts. 



As a student loan borrower, I am deeply troubled by allegations that DOGE accessed personal information, including Social Security numbers and income data, without proper consent, potentially violating the Family Educational Rights and Privacy Act ( XXXX ). 



This unauthorized access raises significant concerns about the accuracy and integrity of my credit report, especially regarding the status of my student loan accounts. I request that the CFPB investigate this matter thoroughly to ensure that : XXXX. All unauthorized access to student loan data is identified and addressed. 

XXXX. Any inaccuracies or unauthorized deletions in my credit report resulting from this incident are corrected promptly. 

XXXX. Measures are implemented to prevent such breaches in the future, safeguarding borrowers personal and financial information. 



I trust that the CFPB will act swiftly to protect consumers like myself from unauthorized actions that compromise our financial security. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter requesting for my personal information to be updated in accordance to my accurate information detail

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal systems within the XXXX XXXX XXXX, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Charge Off : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$780.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection : XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Charge Off : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$780.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection : XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
I made a XXXX XXXX account and saw this negative debt on my credit report. So I attempted to find out information on said debt after I received collection phone calls numerous times referring to this debt. The company never contact me back about the matter. This debt doesnt belong to me from the beginning. I havent had any utilities in my name for over 10 plus years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc.
State: PA

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
A Fraudulent account was opened in my name in XXXX with Synchrony Bank. This fraudulent person made a purchase from XXXX XXXX XXXXXXXX. Once I found out about the fraudulent account I had it shut down, was cleared of any responsibilities, and the company told me they would notify the credit bureaus on my behalf to remove this fraudulent account from my credit report. My complaint is the company Synchrony Bank and XXXX XXXX were more interested in making a sale than protecting my identity. I have had locks and freezes on my credit reports for years since I have dealt with Identity Theft since XXXX. How did they get past these alerts and approve the fraudulent applicant?

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
As a concerned student, I am writing to express my worry regarding the access of XXXX XXXX and his XXXX XXXX  to my student loan account and databases while they are under the administration of President Trump. This situation goes against the agreements and terms outlined in the student loan contracts and raises significant privacy concerns. 

Allowing individuals such as XXXX XXXX and his XXXXXXXX XXXX, who are not officially authorized to access student loan accounts, poses a threat to the privacy and security of sensitive personal information. The potential risk of data breaches and misuse of this information is a valid concern that should not be taken lightly. It is essential to uphold the privacy and confidentiality of student loan data to protect the rights and interests of borrowers. 

Moreover, the unauthorized access to student loan accounts by individuals outside of the established channels and agreements constitutes a discriminatory act and violates the privacy rights of borrowers. This breach of trust undermines the integrity of the student loan system and raises questions about the accountability and transparency of the processes involved in managing student loans. 

In light of these concerns, I am requesting that my student loans be forgiven on the grounds of the discriminatory act and violation of privacy committed by allowing unauthorized access to my account and databases. It is imperative to address these issues promptly and ensure that proper safeguards are in place to protect the privacy and security of student loan information. 

In conclusion, I urge the relevant authorities to take action to rectify the situation and prevent any further violations of privacy and student loan agreements. Respecting the rights and privacy of borrowers is crucial in maintaining the trust and integrity of the student loan system. Thank you for your attention to this matter. 

Sincerely, [ Your Name ] References : - Student Loan Borrower Assistance. ( XXXX ). Privacy Rights. Retrieved from XXXX XXXX XXXX XXXX U.S. Department of Education XXXX ( XXXX ). Protecting Your Privacy. Retrieved from XXXX XXXX XXXXXXXX - Federal Trade Commission. ( XXXX ). Protecting Your Privacy. Retrieved from XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OK

Complaint narrative:
XXXX XXXX and his XXXX XXXX XXXX XXXX XXXX has illegally obtained information about my student loans and my personal information without my consent. This is a direct breach of the agreement made with my federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NV

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX  XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$680.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$6700.00} XXXX  XXXX Balance {$0.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-03-15 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX  inquiry date XXXXXXXX XXXX XXXXXXXX XXXX  inquiry date XXXXXXXX XXXX XXXX XXXXXXXX inquiry date 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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/2025, XXXX XXXX instructed his team of Department Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. This goes against the terms of my federal loans. I expect protection from this under the law and that this matter be handled per the terms of my federal loan contracts.

Company response to consumer: Closed with explanation