{"took":92,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":649,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16775051","_score":29.642097,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one. \\nAccount :XXXX Credit card. Paid closed Amount: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject: Complaint Regarding Recent Data Breach and Request for Accountability To Whom It May Concern I am writing to formally express my concern and frustration regarding the recent data breach involving XXXX that compromised the personal information of millions of individuals, including myselfDate: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject: Complaint Regarding Recent Data Breach and Request for Accountability To Whom It May Concern, I am writing to formally express my concern and frustration regarding the recent data breach involving XXXX that compromised the personal information of millions of individuals, including myself As a consumer who entrusts vour organization with sensitive and highly personal data, I find it deeply troubling that such a breach occurred My personally identifiable information (PIl), which may include my name, Social Security number, address, and possibly financial account data, appear have been exposed due to inadequate satey uards on your part.,I am requesting the following actions from XXXX: 1. Written confirmation of whether my personal data was compromised in the breach, and if so, the specific categories of information exposed 2. Details about the cause of the breach what steps were taken to contain it, and what preventive measures are being implemented to prevent recurrence 3. Immediate access to complimentary credit monitoring and identity theft protection services for a minimum of 24 months 4. Assistance with freezing or locking my credit file, and assurance that 1 will not be charged for these services due to this incident.5. Assurance that I will not be held liable for any fraudulent activity that may arise from this breach This breach has caused unnecessary XXXX and put me at potential financial and identity risk. I expect XXXX  to take full responsibility and to act promptly in addressing these concerns IfI do not receive a timely and satisfactory response, I will consider filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC) and my state Attorney General's office Please respond to this complaint in writing within 30 days Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXXI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.\\n\\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.XXXX XXXX XXXX XXXX XXXXWhat would be a fair resolution to this issue?XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one. Account XXXX  Credit card. Paid closed Amount: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject: Complaint Regarding Recent Data Breach and Request for Accountability To Whom It May Concern I am writing to formally express my concern and frustration regarding the recent data breach involving XXXX  that compromised the personal information of millions of individuals, including myselfDate: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject: Complaint Regarding Recent Data Breach and Request for Accountability To Whom It May Concern, I am writing to formally express my concern and frustration regarding the recent data breach involving XXXX  that compromised the personal information of millions of individuals, including myself As a consumer who entrusts vour organization with sensitive and highly personal data, I find it deeply troubling that such a breach occurred My personally identifiable information (PIl), which may include my name, Social Security number, address, and possibly financial account data, appear have been exposed due to inadequate satey uards on your part.,I am requesting the following actions from XXXX: 1. Written confirmation of whether my personal data was compromised in the breach, and if so, the specific categories of information exposed 2. Details about the cause of the breach what steps were taken to contain it, and what preventive measures are being implemented to prevent recurrence 3. Immediate access to complimentary credit monitoring and identity theft protection services for a minimum of 24 months 4. Assistance with freezing or locking my credit file, and assurance that 1 will not be charged for these services due to this incident.5. Assurance that I will not be held liable for any fraudulent activity that may arise from this breach This breach has caused unnecessary XXXX and put me at potential financial and identity risk. I expect XXXX to take full responsibility and to act promptly in addressing these concerns IfI do not receive a timely and satisfactory response, I will consider filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC) and my state Attorney General's office Please respond to this complaint in writing within 30 days Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXView uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload.XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-23T19:51:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19403","tags":"Older American","has_narrative":true,"complaint_id":"16775051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-23T19:36:58.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Paid closed Amount: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject: <em>Complaint</em> <em>Regarding</em> Recent <em>Data</em> <em>Breach</em> and Request for Accountability To <em>Whom</em> It May <em>Concern</em> I am <em>writing</em> to <em>formally</em> express my <em>concern</em> and frustration <em>regarding</em> the recent <em>data</em> <em>breach</em> involving XXXX  that compromised the personal information of millions of individuals, including myselfDate: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject: <em>Complaint</em> <em>Regarding</em> Recent <em>Data</em> <em>Breach</em> and Request for Accountability To <em>Whom</em>"]},"sort":[29.642097,"16775051"]},{"_index":"complaint-public-v1","_id":"15777360","_score":26.556631,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding Harassment Following Equifax/TransUnion Data Breach To Whom It May Concern, I am writing to formally file a complaint regarding harassment I am experiencing from Equifax and TransUnion. I have been contacted repeatedly and requested to verify accounts that are not mine. I did not open these accounts, nor am I responsible for any associated activity.\n\nThese issues are the direct result of the Equifax data breach, which affected over XXXX XXXX Americans. I have been unfairly burdened with proving ownership of accounts that are fraudulent and beyond my control. This repeated demand for verification constitutes harassment and is causing significant stress and inconvenience. \n\nI request the following actions : Immediate cessation of any attempts to compel me to verify accounts that are not mine.\n\nInvestigation into the improper handling of my information following the data breach. \n\nAssurance that my complaint is documented and that I am protected from further harassment related to these fraudulent I trust that the CFPB will take appropriate action to investigate this matter and ensure that my rights as a consumer are protected.","date_sent_to_company":"2025-09-07T12:01:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20910","tags":null,"has_narrative":true,"complaint_id":"15777360","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-07T11:48:23.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : <em>Complaint</em> <em>Regarding</em> Harassment Following Equifax/TransUnion <em>Data</em> <em>Breach</em> To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> file a <em>complaint</em> <em>regarding</em> harassment I am experiencing from Equifax and TransUnion. I have been contacted repeatedly and requested to verify accounts that are not mine. I did not open these accounts, nor am I responsible for any associated activity.\n\nThese issues are the direct result of the Equifax <em>data</em> <em>breach</em>, which affected over XXXX XXXX Americans."]},"sort":[26.556631,"15777360"]},{"_index":"complaint-public-v1","_id":"12021478","_score":26.413542,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations To Whom it May Concern : I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.\n\nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).\n\n2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. \n\n3. My IRS tax transcripts, which were obtained and used without proper authorization.\n\nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information.\n\nFurthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.","date_sent_to_company":"2025-02-10T16:26:28.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Federal student loan servicing","zip_code":"53224","tags":null,"has_narrative":true,"complaint_id":"12021478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-02-10T16:21:10.000Z","state":"WI","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations To <em>Whom</em> it May <em>Concern</em> : I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE )."]},"sort":[26.413542,"12021478"]},{"_index":"complaint-public-v1","_id":"11825738","_score":26.31942,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX, XXXX XXXX Subject : Formal Complaint Against XXXX for Ongoing Data Breach Issues, Identity Theft, and Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute and file a complaint against XXXX for their failure to address my long-standing concerns regarding their data breach and its impact on my credit profile. I have repeatedly sent dispute letters to XXXX over the years regarding the misuse of my personal information due to their data breach, yet they have failed to respond or take corrective action. \nAs a direct result of this breach, I have been a victim of identity theft. My credit report now contains false closed accounts, inaccurate addresses, incorrect employment information, and even false names that I have never used. These inaccuracies have significantly harmed my credit standing and financial well-being. \nDespite my ongoing efforts to communicate with XXXX, they have ignored my previous disputes, failed to provide proper investigation results, and have not corrected the errors on my report. This negligence violates the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. \nI am formally requesting that the CFPB intervene and take action to hold XXXX accountable for their lack of response and their failure to correct these errors. I am requesting the following : 1. A full investigation into XXXX handling of my disputes and why they have failed to respond. \n2. The immediate removal of all fraudulent and inaccurate information from my credit report.","date_sent_to_company":"2025-03-20T15:41:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"11825738","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-29T21:20:43.000Z","state":"AZ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX, XXXX XXXX Subject : <em>Formal</em> <em>Complaint</em> Against XXXX for Ongoing <em>Data</em> <em>Breach</em> Issues, Identity Theft, and Inaccurate Credit Reporting To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute and file a <em>complaint</em> against XXXX for their failure to address my long-standing <em>concerns</em> <em>regarding</em> their <em>data</em> <em>breach</em> and its impact on my credit profile."]},"sort":[26.31942,"11825738"]},{"_index":"complaint-public-v1","_id":"12490494","_score":26.206406,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Privacy Breach of Personal and Financial Aid Data by XXXX XXXX  To Whom It May Concern, I am writing to formally submit a complaint regarding a breach of my personal and financial aid information, which I believe was accessed, disclosed, or misused by XXXX XXXX. This incident constitutes a serious violation of privacy and financial security, and I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. \n\nSpecifically, my personal data and financial aid balance were improperly accessed and potentially exposed. This unauthorized breach has caused significant distress and raises concerns about how such sensitive information was obtained and utilized. \n\nThis violation not only jeopardizes my financial security but also sets a dangerous precedent for the misuse of personal information by powerful individuals. I request that the CFPB take immediate action to investigate this breach, determine accountability, and implement measures to ensure that such incidents do not occur in the future. \n\nI would appreciate timely updates on this complaint and any steps I need to take to further assist in the investigation. Please confirm receipt of this letter and inform me of any next steps.","date_sent_to_company":"2025-03-14T06:49:48.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"98501","tags":null,"has_narrative":true,"complaint_id":"12490494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-14T06:39:25.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : <em>Complaint</em> <em>Regarding</em> Privacy <em>Breach</em> of Personal and Financial Aid <em>Data</em> by XXXX XXXX  To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> submit a <em>complaint</em> <em>regarding</em> a <em>breach</em> of my personal and financial aid information, which I believe was accessed, disclosed, or misused by XXXX XXXX."]},"sort":[26.206406,"12490494"]},{"_index":"complaint-public-v1","_id":"12503756","_score":25.840782,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am writing to formally file a complaint regarding a breach of my personal data associated with my federal student loans and the unauthorized access granted to XXXX XXXX DOGE : Department of Government Efficiency through the U.S. Department of Education. This breach, which I was made aware of on XX/XX/year>, raises serious concerns about the security of my personal and financial information. \n\nIt is my understanding that the Department of Education provided DOGE access to student loan borrowers ' personal data, including but not limited to my Social Security number, loan balance, payment history, and other personally identifiable information, without my explicit consent. This constitutes a significant violation of my privacy and security. \n\nFurthermore, due to this breach and the apparent mishandling of my loan information, I no longer have confidence that the balance reflected on my student loan account is accurate. The involvement of an external, non-traditional government entity such as DOGE calls into question the validity of the loan servicing practices and whether my loan has been improperly handled.","date_sent_to_company":"2025-03-16T22:55:05.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"27529","tags":null,"has_narrative":true,"complaint_id":"12503756","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-16T22:18:22.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> file a <em>complaint</em> <em>regarding</em> a <em>breach</em> of my personal <em>data</em> associated with my federal student loans and the unauthorized access granted to XXXX XXXX DOGE : Department of Government Efficiency through the U.S. Department of Education. This <em>breach</em>, which I was made aware of on XX/XX/year>, raises serious <em>concerns</em> about the security of my personal and financial information."]},"sort":[25.840782,"12503756"]},{"_index":"complaint-public-v1","_id":"12021757","_score":25.803123,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.\n\nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). \n2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. \nXXXX. My IRS tax transcripts, which were obtained and used without proper authorization. \n\nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information.\n\nFurthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.\n\nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.\n\nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.\n\nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-10T16:38:55.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"12021757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-10T16:38:26.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE )."]},"sort":[25.803123,"12021757"]},{"_index":"complaint-public-v1","_id":"12021756","_score":25.803123,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.\n\nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).\n\n2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. \nXXXX. My IRS tax transcripts, which were obtained and used without proper authorization. \n\nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information.\n\nFurthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.\n\nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.\n\nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.\n\nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-10T16:38:56.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"12021756","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-10T16:38:26.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE )."]},"sort":[25.803123,"12021756"]},{"_index":"complaint-public-v1","_id":"12021759","_score":25.790821,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. \n\nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). \nXXXX. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) data, including financial aid history and loan information. \nXXXX. My IRS tax transcripts, which were obtained and used without proper authorization. \n\nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. \nFurthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. \nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. \n\nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. \n\nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-10T16:38:56.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"12021759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-10T16:38:26.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE )."]},"sort":[25.790821,"12021759"]},{"_index":"complaint-public-v1","_id":"12021524","_score":25.781805,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and XXXX XXXX Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. \n\nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). \nXXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. \nXXXX. My IRS tax transcripts, which were obtained and used without proper authorization. \n\nThese actions violate my rights under FERPA ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the Higher Education Act, which governs the use and protection of federal student aid information.\n\nFurthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. \nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within XXXX  days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. \n\nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. \n\nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-10T16:39:02.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"12021524","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-02-10T16:23:02.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and XXXX XXXX Violations, and Request for Immediate Discharge of Student Loans To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE )."]},"sort":[25.781805,"12021524"]},{"_index":"complaint-public-v1","_id":"12328383","_score":25.757898,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Formal Complaint Regarding Student Loan Data Breach and Credit Reporting Violations To Whom It May Concern, I am writing to formally dispute and file a complaint regarding the unauthorized exposure of my personal student loan information in connection with the recent data breach involving loan servicer Navient. \nThis breach has placed my sensitive financial and personal data at risk, potentially violating the provisions of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. Due to this incident, I am seeking an immediate investigation and resolution of the following concerns : 1. Unauthorized Exposure of Personally Identifiable Information ( PII ) My personal and financial information was compromised due to inadequate security measures. This may have led to fraudulent activity, unauthorized access to my credit file, or potential identity theft. \n2. Inaccurate or Fraudulent Credit Reporting I request a thorough review of my credit report to identify any inaccuracies, fraudulent accounts, or unauthorized changes related to my student loans. Under the FCRA, I am entitled to accurate credit reporting and request immediate corrections for any discrepancies.\n\n3. Failure to Properly Notify and Protect Borrowers I believe the affected loan servicer ( s ) failed to promptly notify borrowers of the breach, delaying necessary steps to protect against financial harm. Additionally, they must implement stronger security measures to prevent further breaches.\n\n4. Potential Violations of Federal Consumer Protection Laws I am requesting an investigation into whether my rights under the FCRA, the Gramm-Leach-Bliley Act ( GLBA ), and other applicable regulations have been violated due to negligent handling of my data.","date_sent_to_company":"2025-03-05T18:24:44.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"361XX","tags":null,"has_narrative":true,"complaint_id":"12328383","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2025-03-05T18:16:06.000Z","state":"AL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> Student Loan <em>Data</em> <em>Breach</em> and Credit Reporting Violations To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute and file a <em>complaint</em> <em>regarding</em> the unauthorized exposure of my personal student loan information in connection with the recent <em>data</em> <em>breach</em> involving loan servicer Navient."]},"sort":[25.757898,"12328383"]},{"_index":"complaint-public-v1","_id":"16445844","_score":25.480698,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It XXXX Concern, I am writing to formally express my serious concern regarding the recent data breach involving TransUnion, which has compromised my personal information without my authorization or consent. I have reason to believe my data was directly impacted by this breach. \nAs a result of this security failure, I am now being affected by creditors placing hard inquiries on my credit report, and I am receiving unsolicited and harassing phone calls from lenders and companies with whom I have never done business. These activities are not only unauthorized but are also damaging my credit standing and peace of mind. \nTransUnion has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to maintain the accuracy, privacy, and security of consumer information. The failure to protect my data and prevent unauthorized access and use is a violation of these rights. \nI am demanding that the following actions be taken immediately : A full investigation into the unauthorized activity and confirmation of how my data was compromised. \nImmediate removal of all fraudulent or unauthorized inquiries and negative entries that have resulted from this breach. \nWritten confirmation outlining the actions you have taken and how you will prevent further misuse of my information. \nIf this issue is not resolved promptly and completely, I will pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and initiating a lawsuit to seek damages for the harm caused by your negligence. \nThis matter requires your urgent attention. I expect a full response within XXXX business days from the date of this letter.","date_sent_to_company":"2025-10-08T20:17:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32712","tags":null,"has_narrative":true,"complaint_id":"16445844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-08T20:02:35.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It XXXX <em>Concern</em>, I am <em>writing</em> to <em>formally</em> express my serious <em>concern</em> <em>regarding</em> the recent <em>data</em> <em>breach</em> involving TransUnion, which has compromised my personal information without my authorization or consent. I have reason to believe my <em>data</em> was directly impacted by this <em>breach</em>."]},"sort":[25.480698,"16445844"]},{"_index":"complaint-public-v1","_id":"13076402","_score":25.459993,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Complaint Regarding XXXX  Data Breach and Violation of FERPA To Whom It May Concern : I am writing to formally file a complaint regarding a data breach by which I believe constitutes a serious violation of federal law, including the Family Educational Rights and Privacy Act ( FERPA ). \n\nIt has come to my attention that XXXX  experienced a data breach compromising sensitive personal information. Based on the nature of the data exposed, it appears that educational records or personally identifiable student information may have been accessed or disclosed without proper authorization. If true, this would represent a clear violation of FERPA, which is intended to protect the privacy of student education records.\n\nAs an affected individual [ or on behalf of affected individuals ], I am deeply concerned about the implications of this breach, including the risk of identity theft, financial fraud, and the long-term misuse of personal data. XXXX  apparent failure to properly safeguard such information and to promptly notify affected individuals further exacerbates the situation. \n\nI respectfully urge the Consumer Financial Protection Bureau to investigate this matter and to coordinate with the U.S. Department of Education, which enforces FERPA, to ensure that XXXX is held accountable for any negligence or noncompliance. \n\nPlease confirm receipt of this complaint and advise me of any next steps or additional documentation you may need. I am prepared to provide any further information required to support this investigation. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-23T18:32:59.000Z","issue":"Improper use of your report","sub_product":"Private student loan","zip_code":"33020","tags":null,"has_narrative":true,"complaint_id":"13076402","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-04-20T14:37:25.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : <em>Complaint</em> <em>Regarding</em> XXXX  <em>Data</em> <em>Breach</em> and Violation of FERPA To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to <em>formally</em> file a <em>complaint</em> <em>regarding</em> a <em>data</em> <em>breach</em> by which I believe constitutes a serious violation of federal law, including the Family Educational Rights and Privacy Act ( FERPA ). \n\nIt has come to my attention that XXXX  experienced a <em>data</em> <em>breach</em> compromising sensitive personal information."]},"sort":[25.459993,"13076402"]},{"_index":"complaint-public-v1","_id":"12683806","_score":25.45436,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am writing to file a formal complaint against the U.S. Department of Education and its contracted servicer, MOHELA, for the unauthorized access, use, and potential disclosure of my federally protected educational and financial records. \n\nOn [ insert date of your original complaint to MOHELA ], I submitted a formal complaint to MOHELA regarding a data breach that resulted in the unlawful access and potential dissemination of the following sensitive information without my consent : My academic records and personally identifiable information ( PII ). \nMy financial aid records, including XXXX data. \nMy IRS tax information and financial data. \nThese records are protected under : The Family Educational Rights and Privacy Act ( FERPA ) The Higher Education Act, Title IV regulations The Privacy Act of 1974 Federal data security laws and Department of Education contractual policies MOHELA 's initial response failed to address or investigate the specific breach I reported. Instead, they denied liability by citing their XXXX status, despite their legal and contractual obligation to safeguard my data and notify me of unauthorized access. \n\nThis mishandling of my personal and financial information constitutes a material breach of data protection laws and has exposed me to serious risks, including identity theft, fraud, and financial harm. \n\nRequested Relief : I am formally requesting that the XXXX Ombudsman and CFPB conduct an immediate investigation into : Whether MOHELA, the U.S. Department of Education, or any affiliated third parties accessed or disclosed my records without proper authorization. \nThe scope and extent of this data breach. \nWhether appropriate protocols were followed in protecting, reporting, and remediating this breach. \nAny contractual violations by MOHELA or the U.S. Department of Education concerning data privacy and borrower rights. \nAdditionally, I am requesting corrective action, including but not limited to : XXXX loan discharge and cancellation on the grounds of a compromised and unlawful loan agreement. \nFormal data breach notification to me in writing. \nMandatory reporting to credit bureaus and a fraud alert placed on my behalf. \nXXXX that security measures will be implemented to prevent future violations. \nFinancial restitution or relief for any damages arising from this breach. \nI have attached the following documentation to support my complaint : My formal written complaint to MOHELA. \nMOHELAs response. \nA detailed summary of the data breach incident. \nIf this matter is not resolved in a timely and satisfactory manner, I reserve the right to pursue additional legal action and damages in federal court. \n\nI respectfully request acknowledgment of this complaint and written updates regarding the investigation 's progress. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-27T20:54:21.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"94568","tags":null,"has_narrative":true,"complaint_id":"12683806","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-27T20:47:36.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to file a <em>formal</em> <em>complaint</em> against the U.S. Department of Education and its contracted servicer, MOHELA, for the unauthorized access, use, and potential disclosure of my federally protected educational and financial records."]},"sort":[25.45436,"12683806"]},{"_index":"complaint-public-v1","_id":"12437324","_score":25.416964,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Unauthorized Access to Private Student Loan Data Request for Loan Forgiveness To Whom It May Concern, I am writing to formally lodge a complaint regarding a serious breach of my private student loan data. I have reason to believe that XXXX XXXX improperly accessed my personal student loan information, violating my privacy and potentially putting my financial security at risk. \n\nThis unauthorized access constitutes a violation of my rights under federal privacy laws, including but not limited to the Family Educational Rights and Privacy Act ( FERPA ) and any applicable consumer protection statutes governing the confidentiality of student loan data. Given the severity of this breach, I am formally requesting an immediate investigation into this matter. \n\nAdditionally, as my personal student loan information has been unlawfully accessed and misused, I am requesting that my student loans be fully forgiven as an appropriate remedy for this violation. Unauthorized access to my private financial data has caused significant distress, and I believe that full discharge of my student loan obligations is a necessary corrective action.","date_sent_to_company":"2025-03-13T01:23:20.000Z","issue":"Improper use of your report","sub_product":"Private student loan","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"12437324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-03-13T01:11:23.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Unauthorized Access to Private Student Loan <em>Data</em> Request for Loan Forgiveness To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> a serious <em>breach</em> of my private student loan <em>data</em>. I have reason to believe that XXXX XXXX improperly accessed my personal student loan information, violating my privacy and potentially putting my financial security at risk."]},"sort":[25.416964,"12437324"]},{"_index":"complaint-public-v1","_id":"12996271","_score":25.359896,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.\n\nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).\n\n2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.\n\n3. My IRS tax transcripts, which were obtained and used without proper authorization.\n\nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.\n\nGiven the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.\n\n2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.\n\n3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.\n\n4. Immediate notification to all major credit bureaus ( Equifax, Experian, TransUnion, and Credit Karma ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.\n\nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.\n\nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.\n\nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.","date_sent_to_company":"2025-04-16T02:08:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19977","tags":"Older American","has_narrative":true,"complaint_id":"12996271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-04-16T01:53:09.000Z","state":"DE","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE )."]},"sort":[25.359896,"12996271"]},{"_index":"complaint-public-v1","_id":"12775654","_score":25.359896,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. \n\nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).\n\n2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.\n\n3. My IRS tax transcripts, which were obtained and used without proper authorization.\n\nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. \nGiven the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.\n\n2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.\n\n3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.\n\n4. Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. \nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. \nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. \n\n\nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-01T19:41:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12775654","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-01T19:41:05.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE )."]},"sort":[25.359896,"12775654"]},{"_index":"complaint-public-v1","_id":"12655741","_score":25.347927,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear Student Loan Ombudsman or To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.\n\nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). \n2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including XXXX XXXX history and loan information. \n3. My IRS tax transcripts, which were obtained and used without proper authorization.\n\nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records,\nas well as Title IV of the Higher Education Act, which governs the use and protection of XXXX XXXX XXXX  information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.\n\nGiven the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my XXXX XXXX XXXX due to the breach of my XXXX XXXX and tax records, which invalidates the integrity of my loan agreements.\n\n2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. \n3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.\n\n4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.\n\nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.\n\nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.\n\nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.","date_sent_to_company":"2025-03-25T00:02:43.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"38654","tags":null,"has_narrative":true,"complaint_id":"12655741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-03-24T23:42:45.000Z","state":"MS","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear Student Loan Ombudsman or To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE )."]},"sort":[25.347927,"12655741"]},{"_index":"complaint-public-v1","_id":"12005628","_score":25.347927,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. \nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). \nMy Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. \nMy IRS tax transcripts, which were obtained and used without proper authorization. \nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. \nGiven the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. \nA formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. \nA full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. \nImmediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. \nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. \nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. \nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-09T23:55:44.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"984XX","tags":null,"has_narrative":true,"complaint_id":"12005628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-02-09T23:49:44.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX ( XXXX )."]},"sort":[25.347927,"12005628"]},{"_index":"complaint-public-v1","_id":"12783735","_score":25.336805,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.\n\nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).\n\n2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.\n\n3. My IRS tax transcripts, which were obtained and used without proper authorization.\n\nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. \nGiven the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.\n\n2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.\n\n3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.\n\n4. Immediate notification to all major credit bureaus ( Equifax, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. \nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. \nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. \n\n\nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-01T19:41:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12783735","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-01T19:41:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE )."]},"sort":[25.336805,"12783735"]},{"_index":"complaint-public-v1","_id":"12758094","_score":25.336805,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.\n\nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). \n2. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. \nXXXX. My IRS tax transcripts, which were obtained and used without proper authorization. \nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.\n\nGiven the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.\n\n2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.\n\n3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. \n4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.\n\nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.\n\nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.\n\nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-01T19:41:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12758094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-04-01T19:25:36.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE )."]},"sort":[25.336805,"12758094"]},{"_index":"complaint-public-v1","_id":"12999893","_score":25.33588,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.\n\nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).\n\n2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.\n\n3. My IRS tax transcripts, which were obtained and used without proper authorization.\n\nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.\n\nGiven the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.\n\n2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.\n\n3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.\n\n4. Immediate notification to all major credit bureaus ( Equifax, Experian, TransUnion, and Credit Karma ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.\n\nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.\n\nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.\n\nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.","date_sent_to_company":"2025-04-16T02:07:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19977","tags":"Older American","has_narrative":true,"complaint_id":"12999893","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-16T02:07:35.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE )."]},"sort":[25.33588,"12999893"]},{"_index":"complaint-public-v1","_id":"12778979","_score":25.291187,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On or around XX/XX/XXXX I sent the following letter : Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To Whom It May Concern ], I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 3. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 4. Immediate notification to all major credit bureaus ( XXXX, Experian, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. Sincerely, I never received any response regarding this matter. \n\nPlease be advised I originally submitted a complaint regarding student aid and the correct loan company is XXXX XXXX","date_sent_to_company":"2025-04-02T17:12:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10016","tags":null,"has_narrative":true,"complaint_id":"12778979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-02T17:11:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On or around XX/XX/XXXX I sent the following letter : Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> <em>Data</em> <em>Breach</em>, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To <em>Whom</em> It May <em>Concern</em> ], I am <em>writing</em> to <em>formally</em> lodge a <em>complaint</em> <em>regarding</em> the unauthorized access and <em>breach</em> of my educational records, financial aid <em>data</em>, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE )."]},"sort":[25.291187,"12778979"]},{"_index":"complaint-public-v1","_id":"12458033","_score":25.127628,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized access to my personal information and to request the removal of my federal student loans due to this breach. \n\nRecently, I became aware that XXXX XXXX, through his affiliations or entities, may have gained access to my personal data via the Department of Education ( DOE ). This unauthorized access raises serious concerns about the security and privacy of my sensitive information, including my financial and educational records.\n\nThe exposure of my personal data without my consent constitutes a violation of my privacy rights and undermines the trust I placed in the DOE to safeguard my information. As a result, I no longer feel confident that my data is being handled responsibly or securely. \n\nGiven this breach, I respectfully request the following : 1. A full investigation into how and why my personal information was accessed by Elon Musk or related entities.\n\n2. Immediate removal of my federal student loans as compensation for the harm caused by this breach of privacy.\n\nI trust that the CFPB will take this matter seriously and take appropriate action to address my concerns. Please contact me at [ your email/phone number ] for any additional information or clarification.\n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-13T15:48:42.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"27127","tags":null,"has_narrative":true,"complaint_id":"12458033","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-03-13T15:43:10.000Z","state":"NC","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to file a <em>formal</em> <em>complaint</em> <em>regarding</em> unauthorized access to my personal information and to request the removal of my federal student loans due to this <em>breach</em>. \n\nRecently, I became aware that XXXX XXXX, through his affiliations or entities, may have gained access to my personal <em>data</em> via the Department of Education ( DOE )."]},"sort":[25.127628,"12458033"]},{"_index":"complaint-public-v1","_id":"12498921","_score":25.1147,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am writing to formally file a complaint regarding the breach of my personal information due to the Department of Educations ( DOE ) audit involving DOGE. This breach has resulted in unauthorized exposure of my private data, violating my rights under the Higher Education Act ( HEA ), the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( FERPA ).\n\nAs a former student whose records are protected under FERPA, I am deeply concerned that my educational and financial data was improperly accessed, disclosed, or otherwise mishandled. FERPA ensures that my personally identifiable information ( PII ) remains confidential, and this breach has undermined that protection. Additionally, under the Privacy Act of 1974, the government has a legal obligation to safeguard my records from unauthorized access or disclosure, which has clearly not been upheld in this situation. The Higher Education Act also mandates strong privacy protections for student records, which appear to have been compromised due to this government audit.\n\nThis breach has caused significant concern for my privacy and financial security. I urge the CFPB to take swift action to ensure compliance with federal privacy laws and hold accountable those responsible for the mishandling of my personal information. \n\nPlease confirm receipt of this letter and inform me of the next steps regarding my complaint. I can be reached at XXXX or ( XXXX ) XXXX for any further details. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-15T20:17:10.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"194XX","tags":null,"has_narrative":true,"complaint_id":"12498921","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-03-15T19:49:19.000Z","state":"PA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> file a <em>complaint</em> <em>regarding</em> the <em>breach</em> of my personal information due to the Department of Educations ( DOE ) audit involving DOGE. This <em>breach</em> has resulted in unauthorized exposure of my private <em>data</em>, violating my rights under the Higher Education Act ( HEA ), the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( FERPA )."]},"sort":[25.1147,"12498921"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":649,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":649}]}},"product":{"doc_count":649,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":539,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":534},{"key":"Other personal consumer report","doc_count":5}]}},{"key":"Student loan","doc_count":58,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":54},{"key":"Private student loan","doc_count":4}]}},{"key":"Debt collection","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":13},{"key":"Credit card debt","doc_count":6},{"key":"Rental debt","doc_count":2},{"key":"Other debt","doc_count":1},{"key":"Payday loan debt","doc_count":1},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Credit card","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":10},{"key":"Store credit card","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":2},{"key":"Mobile or digital wallet","doc_count":2},{"key":"Virtual currency","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Checking or savings account","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other banking product or service","doc_count":2},{"key":"Checking account","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":2}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}}]}},"issue":{"doc_count":649,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":251,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":200},{"key":"Credit inquiries on your report that you don't recognize","doc_count":49},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":161,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":103},{"key":"Account information incorrect","doc_count":30},{"key":"Account status incorrect","doc_count":13},{"key":"Old information reappears or never goes away","doc_count":8},{"key":"Public record information inaccurate","doc_count":4},{"key":"Personal information incorrect","doc_count":2},{"key":"Information is incorrect","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":111,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":89},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":8},{"key":"Investigation took more than 30 days","doc_count":6},{"key":"Problem with personal statement of dispute","doc_count":5},{"key":"Was not notified of investigation status or results","doc_count":3}]}},{"key":"Dealing with your lender or servicer","doc_count":25,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":10},{"key":"Trouble with how payments are being handled","doc_count":9},{"key":"Problem with customer service","doc_count":3},{"key":"Need 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