{"took":74,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":630,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7933980","_score":18.054302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"All XXXX credit bureaus continue to report inaccurate information in regards to my federal student loans balance. XXXX the student loan servicer and the Department of Education the student loan lender both have a XXXX balance on my account and have verified that my Federal Student Loans are paid in full through student loan forgiveness IDR program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX. This misinformation is causing me investment and financial problems with other institutions that I'm currently trying to do business with. I would like cfpb to investigate further into this matter as XXXX continues to display inaccurate information.","date_sent_to_company":"2023-12-01T23:46:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11429","tags":null,"has_narrative":true,"complaint_id":"7933980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-01T23:46:08.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["All XXXX credit bureaus continue to report inaccurate information in regards to my federal <em>student</em> <em>loans</em> balance. XXXX the <em>student</em> <em>loan</em> servicer and the Department of Education the <em>student</em> <em>loan</em> lender both have a XXXX balance on my account and have verified that my Federal <em>Student</em> <em>Loans</em> are paid in full through <em>student</em> <em>loan</em> forgiveness IDR program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX."]},"sort":[18.054302,"7933980"]},{"_index":"complaint-public-v1","_id":"7933988","_score":18.050943,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"All 3 credit bureaus continue to report inaccurate information in regards to my federal student loans balance. Mohela the student loan servicer and the Department of Education the student loan lender both have a XXXX balance on my account and have verified that my Federal Student Loans are paid in full through student loan forgiveness XXXX  program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX. This misinformation is causing me investment and financial problems with other institutions that I'm currently trying to do business with. I would like cfpb to investigate further into this matter as XXXX continues to display inaccurate information.","date_sent_to_company":"2023-12-01T23:46:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11429","tags":null,"has_narrative":true,"complaint_id":"7933988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2023-12-01T23:06:06.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["All 3 credit bureaus continue to report inaccurate information in regards to my federal <em>student</em> <em>loans</em> balance. Mohela the <em>student</em> <em>loan</em> servicer and the Department of Education the <em>student</em> <em>loan</em> lender both have a XXXX balance on my account and have verified that my Federal <em>Student</em> <em>Loans</em> are paid in full through <em>student</em> <em>loan</em> forgiveness XXXX  program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX."]},"sort":[18.050943,"7933988"]},{"_index":"complaint-public-v1","_id":"7933982","_score":18.048275,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"All XXXX credit bureaus continue to report inaccurate information in regards to my federal student loans balance. XXXX the student loan servicer and the Department of Education the student loan lender both have a XXXX balance on my account and have verified that my Federal Student Loans are paid in full through student loan forgiveness IDR program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX. This misinformation is causing me investment and financial problems with other institutions that I'm currently trying to do business with. I would like cfpb to investigate further into this matter as XXXX continues to display inaccurate information.","date_sent_to_company":"2023-12-01T23:46:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11429","tags":null,"has_narrative":true,"complaint_id":"7933982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-01T23:46:08.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["All XXXX credit bureaus continue to report inaccurate information in regards to my federal <em>student</em> <em>loans</em> balance. XXXX the <em>student</em> <em>loan</em> servicer and the Department of Education the <em>student</em> <em>loan</em> lender both have a XXXX balance on my account and have verified that my Federal <em>Student</em> <em>Loans</em> are paid in full through <em>student</em> <em>loan</em> forgiveness IDR program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX."]},"sort":[18.048275,"7933982"]},{"_index":"complaint-public-v1","_id":"2786710","_score":18.03038,"_source":{"product":"Student loan","complaint_what_happened":"Student XXXX XXXX XXXX has account with Pennsylvania Higher Education Assistance Agency. Account XXXX Her mother wanted to pay off the loan. The loan balance was {$27000.00}. Her mother, XXXX XXXX XXXX called PHEAA to obtain directions on how to pay the loan and was told the {$27000.00} would not close the loan. XXXX asked XXXX to check with PHEAA to investigate the problem. XXXX was told by PHEAA that to close the loan an amount of {$33000.00} must be submitted. She was told the difference was a prepayment penalty. It is our understanding that a prepayment penalty is not allowed on student loans. XXXX XXXX XXXX  submitted a check for the {$33000.00} but is requesting your assistance in resolving this problem.","date_sent_to_company":"2018-01-19T00:05:34.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"65810","tags":null,"has_narrative":true,"complaint_id":"2786710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2018-01-18T23:48:58.000Z","state":"MO","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["<em>Student</em> XXXX XXXX XXXX has account with Pennsylvania Higher Education Assistance Agency. Account XXXX Her mother wanted to pay off the <em>loan</em>. The <em>loan</em> balance was {$27000.00}. Her mother, XXXX XXXX XXXX called PHEAA to obtain directions on how to pay the <em>loan</em> and was told the {$27000.00} would not close the <em>loan</em>. XXXX asked XXXX to check with PHEAA to <em>investigate</em> the <em>problem</em>. XXXX was told by PHEAA that to close the <em>loan</em> an amount of {$33000.00} must be submitted."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Private <em>student</em> <em>loan</em>"]},"sort":[18.03038,"2786710"]},{"_index":"complaint-public-v1","_id":"7933981","_score":18.009136,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"All XXXX credit bureaus continue to report inaccurate information in regards to my federal student loans balance. XXXX the student loan servicer and the Department of Education the student loan lender both have a XXXX balance on my account and have verified that my Federal Student Loans are paid in full through student loan forgiveness IDR program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX. This misinformation is causing me investment and financial problems with other institutions that I'm currently trying to do business with. I would like cfpb to investigate further into this matter as Equifax continues to display inaccurate information.","date_sent_to_company":"2023-12-01T23:46:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11429","tags":null,"has_narrative":true,"complaint_id":"7933981","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-01T23:46:08.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["All XXXX credit bureaus continue to report inaccurate information in regards to my federal <em>student</em> <em>loans</em> balance. XXXX the <em>student</em> <em>loan</em> servicer and the Department of Education the <em>student</em> <em>loan</em> lender both have a XXXX balance on my account and have verified that my Federal <em>Student</em> <em>Loans</em> are paid in full through <em>student</em> <em>loan</em> forgiveness IDR program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX."]},"sort":[18.009136,"7933981"]},{"_index":"complaint-public-v1","_id":"3475202","_score":17.555443,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Fraudulent and duplicate student loans on my credit report. Experian failed to investigate or consider my personal statement. Problem has not be rectified.","date_sent_to_company":"2019-12-22T16:01:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08822","tags":null,"has_narrative":true,"complaint_id":"3475202","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-12-22T16:01:52.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Fraudulent and duplicate <em>student</em> <em>loans</em> on my credit report. Experian failed to <em>investigate</em> or consider my personal statement. <em>Problem</em> has not be rectified."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.555443,"3475202"]},{"_index":"complaint-public-v1","_id":"2869423","_score":17.031483,"_source":{"product":"Debt collection","complaint_what_happened":"I, XXXX XXXX, need help from the Consumer Financial Protection Bureau to solve the problem with my student loan which was bought by 3-d party company called Nelnet.com and double it since then. \nThis 3-d party Nelnet.com has NO Ties with US Federal Government. A few times, when I try to recertified my student loan through US Department of Education website I got a message to contact directly to 3-d party Nelnet.com. \nMy concern about Identity Theft by unknown 3-d party Nelnet.com and double my student loan. Why 3-d party exist as student loan provider for US citizens and no student loan for illegals? \n\nConclusion : The Consumer Financial Protection Bureau, please, check with US Department of Education on what grounds Nelnet.com bought my student loan from Federal Direct Loan Program Direct Loans and double it? \nWhy US citizens are attacked by 3-d party like Nelnet.com and are provided with All financial information? \nThis 3-d party scam Nelnet.com has to face an investigation as a US student loan service! \n\nIt is very disturbing for me as US citizen to be obligated to repay student loan to unknown party, when illegals just take Advantage for FREE Education. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2018-04-09T14:54:46.000Z","issue":"False statements or representation","sub_product":"Federal student loan debt","zip_code":"11379","tags":"Older American","has_narrative":true,"complaint_id":"2869423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2018-04-09T14:21:25.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This 3-d party scam Nelnet.com has to face an <em>investigation</em> as a US <em>student</em> <em>loan</em> service! \n\nIt is very disturbing for me as US citizen to be obligated to repay <em>student</em> <em>loan</em> to unknown party, when illegals just take Advantage for FREE Education. \n\nSincerely, XXXX XXXX"],"sub_product":["Federal <em>student</em> <em>loan</em> debt"]},"sort":[17.031483,"2869423"]},{"_index":"complaint-public-v1","_id":"8182709","_score":16.778389,"_source":{"product":"Student loan","complaint_what_happened":"I have 3 Student loans for XXXX on my student aid account listed as being serviced by XXXXXXXXACS from XXXX that still show me as \" In School '' and \" Grace period '' I submitted a complaint ( feedback case # XXXX ) on XX/XX/XXXX when I discovered the issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX and do not even remember having ACS or XXXX as a servicer. I can not contact XXXXACS as they no longer exist. I have since discovered XXXX/ACS  mismanaged student loans and was fired/sued by Department of education. If these loans were valid they should have been included in my direct consolidation completed XX/XX/XXXX. They were never listed on my credit report and I was never contacted to make payments on them to my recollection. Furthermore I have 2 more loans from my XXXX XXXX  which were included on my consolidation loan ( XX/XX/XXXX ) however they are listed as 1/2 of each loan was cancelled. I believe the entire loan was cancelled as this was probably the point XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX. I do not think those loans are correct. I do not think my consolidation was done correctly at all and my loans related to XXXX were mismanaged. I have contacted both general student aid hotline, chat, and student aid ombudsmen. They indicated this was being investigated by my current servicer ( XXXX XXXX ) and had no answers except it may take a long time ( so wait ) and they would do nothing as it is an XXXX XXXX problem. I contacted XXXX XXXX also. XXXX XXXX indicates they do not do anything related to consolidations and this is a student aid/Dept of education problem. XXXX XXXX further indicates they are not investigating this issue, all amounts on my account are as the dept of education has directed them. \n\nsee attached \" XXXX XXXX XXXX '' for loan numbers, servicers, amounts, dates, statuses, etc.","date_sent_to_company":"2024-01-19T19:47:47.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"729XX","tags":null,"has_narrative":true,"complaint_id":"8182709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ACS Education Services","date_received":"2024-01-19T19:10:21.000Z","state":"AR","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["They indicated this was being <em>investigated</em> by my current servicer ( XXXX XXXX ) and had no answers except it may take a long time ( so wait ) and they would do nothing as it is an XXXX XXXX <em>problem</em>. I contacted XXXX XXXX also. XXXX XXXX indicates they do not do anything related to consolidations and this is a <em>student</em> aid/Dept of education <em>problem</em>. XXXX XXXX further indicates they are not <em>investigating</em> this issue, all amounts on my account are as the dept of education has directed them."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[16.778389,"8182709"]},{"_index":"complaint-public-v1","_id":"3287449","_score":16.714725,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This issue is an existing problem which Equifax, and XXXX  wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation solve the problem. They said they have verified it but did not give details on how their investigation went..Just remove the accounts asap DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX,","date_sent_to_company":"2019-06-26T10:48:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95148","tags":null,"has_narrative":true,"complaint_id":"3287449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-26T10:30:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This issue is an existing <em>problem</em> which Equifax, and XXXX  wasn't able to resolve.. The <em>student</em> <em>loan</em> was reported on my credit report..Based on my research, all government funded <em>loans</em> are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their <em>investigation</em> solve the <em>problem</em>."]},"sort":[16.714725,"3287449"]},{"_index":"complaint-public-v1","_id":"3287450","_score":16.702372,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This issue is an existing problem which XXXX, and Transunion wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation solve the problem. They said they have verified it but did not give details on how their investigation went..Just remove the accounts asap DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX   XXXX, XXXX XXXX, DEPTEDXXXX   XXXX, DEPTEDXXXX XXXX,","date_sent_to_company":"2019-06-26T10:48:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95148","tags":null,"has_narrative":true,"complaint_id":"3287450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-06-26T10:48:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This issue is an existing <em>problem</em> which XXXX, and Transunion wasn't able to resolve.. The <em>student</em> <em>loan</em> was reported on my credit report..Based on my research, all government funded <em>loans</em> are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their <em>investigation</em> solve the <em>problem</em>."]},"sort":[16.702372,"3287450"]},{"_index":"complaint-public-v1","_id":"2101203","_score":16.377337,"_source":{"product":"Student loan","complaint_what_happened":"I have student loans with XXXX private student loans ( XXXX XXXX XXXX XXXX ) is LOAN SCIENCE , LLC. I have currently XXXX dollars of student debt. Every month, I pay about {$200.00}. I have just called them and ask them if they take under the consideration that I have another student loans to pay and if they could lower my payments. My interest rate is 6.640 % Variable. ( it seem much higher ) What happened if I get sick or lose my job. They said there is not their problem, and I have to pay 200 monthly for other 18 years. I am 48 years woman live in poverty and do n't have any retirement plan because of my student loans. I also have government student loans, and they are so flexible and take life circumstances under the consideration. This is so cruel that I ca n't refinance my student loans and ca n't do anything about it. Coming from another country and going to college is my biggest mistake ever in this country. I wish I would turn the time and never go to college here. XXXX is horrible company!! Is there anything I can do about it!! Can I refinance? I think that interest is much higher than 6.60 %. Can I hire the service to investigate my account? I think something is not right!","date_sent_to_company":"2016-09-12T20:32:17.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"11385","tags":null,"has_narrative":true,"complaint_id":"2101203","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Loan Science, LLC","date_received":"2016-09-08T16:12:16.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["They said there is not their <em>problem</em>, and I have to pay 200 monthly for other 18 years. I am 48 years woman live in poverty and do n't have any retirement plan because of my <em>student</em> <em>loans</em>. I also have government <em>student</em> <em>loans</em>, and they are so flexible and take life circumstances under the consideration. This is so cruel that I ca n't refinance my <em>student</em> <em>loans</em> and ca n't do anything about it. Coming from another country and going to college is my biggest mistake ever in this country."],"product":["<em>Student</em> <em>loan</em>"],"company":["<em>Loan</em> Science, LLC"],"sub_product":["Non-federal <em>student</em> <em>loan</em>"]},"sort":[16.377337,"2101203"]},{"_index":"complaint-public-v1","_id":"12383734","_score":16.319746,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The problem began when I noticed that the same student loan is being reported more than once on my credit report. I have contacted my loan servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted.\n\nI believe that the duplication of these loans is a mistake, and I am seeking assistance from the CFPB to investigate and resolve the issue. Specifically, I would like : 1. The duplicate loan entries to be corrected or removed from my credit report. \n2. My credit score to be adjusted accordingly to reflect the accurate loan information.\n\n3. Confirmation that my student loan servicer will take the necessary steps to prevent such errors from occurring in the future.","date_sent_to_company":"2025-03-08T15:45:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20707","tags":null,"has_narrative":true,"complaint_id":"12383734","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-08T15:33:43.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The <em>problem</em> began when I noticed that the same <em>student</em> <em>loan</em> is being reported more than once on my credit report. I have contacted my <em>loan</em> servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted.\n\nI believe that the duplication of these <em>loans</em> is a mistake, and I am seeking assistance from the CFPB to <em>investigate</em> and resolve the issue."]},"sort":[16.319746,"12383734"]},{"_index":"complaint-public-v1","_id":"12381407","_score":16.309662,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The problem began when I noticed that the same student loan is being reported more than once on my credit report. I have contacted my loan servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted. \n\nI believe that the duplication of these loans is a mistake, and I am seeking assistance from the CFPB to investigate and resolve the issue. Specifically, I would like : XXXX. The duplicate loan entries to be corrected or removed from my credit report. \nXXXX. My credit score to be adjusted accordingly to reflect the accurate loan information. \nXXXX. Confirmation that my student loan servicer will take the necessary steps to prevent such errors from occurring in the future.","date_sent_to_company":"2025-03-08T15:45:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20707","tags":null,"has_narrative":true,"complaint_id":"12381407","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-08T15:44:34.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The <em>problem</em> began when I noticed that the same <em>student</em> <em>loan</em> is being reported more than once on my credit report. I have contacted my <em>loan</em> servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted. \n\nI believe that the duplication of these <em>loans</em> is a mistake, and I am seeking assistance from the CFPB to <em>investigate</em> and resolve the issue."]},"sort":[16.309662,"12381407"]},{"_index":"complaint-public-v1","_id":"12383856","_score":16.2967,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The problem began when I noticed that the same student loan is being reported more than once on my credit report. I have contacted my loan servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted.\n\nI believe that the duplication of these loans is a mistake, and I am seeking assistance from the CFPB to investigate and resolve the issue. Specifically, I would like : 1. The duplicate loan entries to be corrected or removed from my credit report.\n\n2. My credit score to be adjusted accordingly to reflect the accurate loan information.\n\n3. Confirmation that my student loan servicer will take the necessary steps to prevent such errors from occurring in the future.","date_sent_to_company":"2025-03-08T15:44:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20707","tags":null,"has_narrative":true,"complaint_id":"12383856","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-08T15:44:34.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The <em>problem</em> began when I noticed that the same <em>student</em> <em>loan</em> is being reported more than once on my credit report. I have contacted my <em>loan</em> servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted.\n\nI believe that the duplication of these <em>loans</em> is a mistake, and I am seeking assistance from the CFPB to <em>investigate</em> and resolve the issue."]},"sort":[16.2967,"12383856"]},{"_index":"complaint-public-v1","_id":"2430327","_score":16.091032,"_source":{"product":"Student loan","complaint_what_happened":"My automatic loan payments continue to me misallocated. I receive phone calls every month indicating that i am past due on my federal loans. I call Navient to investigate and after 30-60minutes on the phone it is discovered that my loan payments ( to loans \" 5 & 6 '' ) were misallocated. The loan payment is then re-allocated correctly. I am told the problem is fixed. then 2-3 weeks later I receive another voicemail on my home phone \" this is XXXX from Navient there is an important matter to discuss regarding your student loans. '' I call, the same probalem ; the problem is \" corrected again ''. Every month for the past several months I have to fix this problem. there does not appear to be any end in sight. Navient does not seem to know how to correct the problem. I am being harassed with daily phone calls on a monthly basis for a problem in their system which they can not fix. I want a permanent resolution to this problem. I have n't had a late loan payment in & gt ; 10 years. I do n't want Navient to ruin my credit, because they are too incompetent to fix the problem with their computer system.","date_sent_to_company":"2017-04-12T03:08:38.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"19063","tags":null,"has_narrative":true,"complaint_id":"2430327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-04-12T03:08:38.000Z","state":"PA","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["My automatic <em>loan</em> payments continue to me misallocated. I receive phone calls every month indicating that i am past due on my federal <em>loans</em>. I call Navient to <em>investigate</em> and after 30-60minutes on the phone it is discovered that my <em>loan</em> payments ( to <em>loans</em> \" 5 & 6 '' ) were misallocated. The <em>loan</em> payment is then re-allocated correctly."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[16.091032,"2430327"]},{"_index":"complaint-public-v1","_id":"15993231","_score":16.065277,"_source":{"product":"Student loan","complaint_what_happened":"Product : Student Loan Issue : Problem with a loan servicer / privacy and data handling Complaint Summary : I am filing a complaint regarding a violation of my privacy rights connected to my federal student loan account. \n\nI believe my personal data has been improperly accessed and/or shared through the XXXX.S. Department of Educations systems without my authorization. I was never notified of this disclosure and did not provide consent. I have reason to believe my records were exposed or mishandled in a way that violates my rights under FERPA and other federal protections.\n\nAs a result, my trust in the Department of Education and its servicers has been severely undermined. The mishandling of my private student loan data has caused me emotional distress and has potentially impacted my eligibility for loan forgiveness programs. \n\nRequested Resolution : Investigate whether my student loan data was disclosed or accessed without my consent.\n\nConfirm if a breach occurred, and identify who accessed or received my personal records.\n\nProvide me with a written explanation of the findings.\n\nGiven the seriousness of this violation, I request that the Department of Education and my loan servicer grant appropriate relief, up to and including loan discharge/forgiveness, as remedy for the privacy breach and harm caused.","date_sent_to_company":"2025-09-17T21:09:15.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15993231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-09-17T20:52:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Product : <em>Student</em> <em>Loan</em> Issue : <em>Problem</em> with a <em>loan</em> servicer / privacy and data handling Complaint Summary : I am filing a complaint regarding a violation of my privacy rights connected to my federal <em>student</em> <em>loan</em> account. \n\nI believe my personal data has been improperly accessed and/or shared through the XXXX.S. Department of Educations systems without my authorization. I was never notified of this disclosure and did not provide consent."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[16.065277,"15993231"]},{"_index":"complaint-public-v1","_id":"7305541","_score":16.027414,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax continues to report an open student loan account with XXXX as current and a loan balance over {$6000.00}. Even after their investigation they still have not corrected the problem. The account with XXXX  # XXXX was transferred to XXXX and paid. I have a XXXX loan balance. The account is not open. Your investigation clearly shows this acct with XXXX is paid. However, you continue to report false information that its current and open with a balance and XXXX is reoprting this to Equifax every month. When in fact this account was transferred and closed in XX/XX/XXXX. The language of Current does not mean to XXXX that the account is open. Your investigation is incomplete and lacks clarity. Please ask XXXX happened to acct XXXX. You will see that XXXX has not reported to Equifax on this acct since XXXX. The acct is not open but was transferred to XXXX and paid. This is the type of discriminatory practices of Equifax. They do not correct their reports. I do not have an open installment loan with XXXX. All of my student loans are paid wirh XXXX balances. Please correct this error. Also, you have lowered my credit scores over the years due to this false information.","date_sent_to_company":"2023-07-26T08:21:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20002","tags":null,"has_narrative":true,"complaint_id":"7305541","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-26T07:56:51.000Z","state":"DC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax continues to report an open <em>student</em> <em>loan</em> account with XXXX as current and a <em>loan</em> balance over {$6000.00}. Even after their <em>investigation</em> they still have not corrected the <em>problem</em>. The account with XXXX  # XXXX was transferred to XXXX and paid. I have a XXXX <em>loan</em> balance. The account is not open. Your <em>investigation</em> clearly shows this acct with XXXX is paid."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.027414,"7305541"]},{"_index":"complaint-public-v1","_id":"20020123","_score":15.974578,"_source":{"product":"Student loan","complaint_what_happened":"I am a former student of XXXX XXXX in the XXXX XXXX program. About two months before graduation, our instructor quit and the school placed our class on a break. I was never given a return date, written notice, or disciplinary warning. When I returned, I was told I had been dropped for non-attendance. I fully intended to complete the program, and the disruption was caused entirely by the school. They stated I was the problem when I can assure you I was not, the school employees were unprofessional. \n\nXXXX XXXX also promised job placement assistance upon completion, which I never received due to this wrongful dismissal. I now owe federal student loans through Nelnet totaling ~ {$15000.00} for a program I could not complete due to the schools actions. \n\nI would like to request CFPB assistance to investigate XXXX XXXX misconduct and ensure my federal student loans are fully discharged or refunded. \n\nRequested Resolution : Full discharge of federal student loans related to XXXX XXXX XXXX of any payments made Correction of credit reporting for these loans","date_sent_to_company":"2026-03-05T23:12:57.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"95207","tags":null,"has_narrative":true,"complaint_id":"20020123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-03-05T23:05:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["I would like to request CFPB assistance to <em>investigate</em> XXXX XXXX misconduct and ensure my federal <em>student</em> <em>loans</em> are fully discharged or refunded. \n\nRequested Resolution : Full discharge of federal <em>student</em> <em>loans</em> related to XXXX XXXX XXXX of any payments made Correction of credit reporting for these <em>loans</em>"],"product":["<em>Student</em> <em>loan</em>"],"issue":["Struggling to repay your <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["<em>Problem</em> with forgiveness, cancellation, or discharge"]},"sort":[15.974578,"20020123"]},{"_index":"complaint-public-v1","_id":"3264610","_score":15.966209,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Let me make this clear to you, XXXX  is my student loan account but DP OF EDUC XXXX   IS NOT MY ACCOUNT!!! This issue is an existing problem which Equifax wasn't able to resolve.. Government funded loans are not allowed to be reported, this is a clear violation of the FCRA.Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX.. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please","date_sent_to_company":"2019-06-05T06:08:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06118","tags":null,"has_narrative":true,"complaint_id":"3264610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-05T05:40:51.000Z","state":"CT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Let me make this clear to you, XXXX  is my <em>student</em> <em>loan</em> account but DP OF EDUC XXXX   IS NOT MY ACCOUNT!!! This issue is an existing <em>problem</em> which Equifax wasn't able to resolve.. Government funded <em>loans</em> are not allowed to be reported, this is a clear violation of the FCRA.Their <em>investigation</em> did not fix the account. They said they have verified it but did not give details on how their <em>investigation</em> went.. XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX.."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.966209,"3264610"]},{"_index":"complaint-public-v1","_id":"15587073","_score":15.873642,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX PROBLEM : Duplicate Loan Processed without our knowledge Received student loans through XXXX. I currently pay on my student loan. A while ago, credit score dropped significantly. Found a second student loan under ED Financial. \nXXXX XXXX XXXX. ( NOW CLOSED due to misappropriation of funds and low enrollment ) I attended in the fall of XXXX into summer of XXXX when I graduated. It appears as we are investigating that the school somehow took out a SECOND student loan which disbursed like amounts around the same dates as the original. The original loan was done through XXXX as a Direct Plus ( parent ) Loan. Credit states I am in default under ED Financial which is a subsidized and unsubsidized loan.\n\nWe have been trying to get additional information. Transcripts were transferred to XXXX XXXX XXXX. Receivership was established ( Address and email below ) XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We contacted them. They reported to me that the servers went down prior to the college closing and they have no access to financial documents. Only one loan servicer is to be involved when student loans are applied for. We believe somehow the college took out a second loan in my name. Can you please help me? \nXXXX promissory note signed on XX/XX/XXXX, then strangely the ED Financial promissory note was signed electronically about 40 mins later.","date_sent_to_company":"2025-08-28T16:25:34.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"156XX","tags":null,"has_narrative":true,"complaint_id":"15587073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-08-28T16:07:25.000Z","state":"PA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX <em>PROBLEM</em> : Duplicate <em>Loan</em> Processed without our knowledge Received <em>student</em> <em>loans</em> through XXXX. I currently pay on my <em>student</em> <em>loan</em>. A while ago, credit score dropped significantly. Found a second <em>student</em> <em>loan</em> under ED Financial. \nXXXX XXXX XXXX. ( NOW CLOSED due to misappropriation of funds and low enrollment ) I attended in the fall of XXXX into summer of XXXX when I graduated."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[15.873642,"15587073"]},{"_index":"complaint-public-v1","_id":"10116215","_score":15.864482,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I reported this problem to XXXX # XXXX, but there still has been no change to my credit report. I have provided documents showing my student loans were over the PSLF program NOT a bankruptcy. \n\nWhat information are they using to investigate this issue? \n\nI have been waiting more than 45 days, for Equifax to make their correction.","date_sent_to_company":"2024-09-13T02:44:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60504","tags":"Older American","has_narrative":true,"complaint_id":"10116215","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-13T02:26:46.000Z","state":"IL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I reported this <em>problem</em> to XXXX # XXXX, but there still has been no change to my credit report. I have provided documents showing my <em>student</em> <em>loans</em> were over the PSLF program NOT a bankruptcy. \n\nWhat information are they using to <em>investigate</em> this issue? \n\nI have been waiting more than 45 days, for Equifax to make their correction."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.864482,"10116215"]},{"_index":"complaint-public-v1","_id":"3287401","_score":15.781997,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This issue is an existing problem which XXXX and XXXX, Transunion wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX","date_sent_to_company":"2019-06-26T06:34:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92122","tags":null,"has_narrative":true,"complaint_id":"3287401","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-06-26T06:34:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This issue is an existing <em>problem</em> which XXXX and XXXX, Transunion wasn't able to resolve.. The <em>student</em> <em>loan</em> was reported on my credit report..Based on my research, all government funded <em>loans</em> are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their <em>investigation</em> did not fix the account."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.781997,"3287401"]},{"_index":"complaint-public-v1","_id":"3287397","_score":15.769285,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This issue is an existing problem which XXXX and Equifax, XXXX  wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation wentXXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX","date_sent_to_company":"2019-06-26T06:34:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92122","tags":null,"has_narrative":true,"complaint_id":"3287397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-26T06:09:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This issue is an existing <em>problem</em> which XXXX and Equifax, XXXX  wasn't able to resolve.. The <em>student</em> <em>loan</em> was reported on my credit report..Based on my research, all government funded <em>loans</em> are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their <em>investigation</em> did not fix the account."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.769285,"3287397"]},{"_index":"complaint-public-v1","_id":"6118155","_score":15.583705,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Refer to complaint # XXXX Which you closed saying you already processed this and yes same problem different collection agency and transunion. \nTransunion is reporting 2 collection accounts that were removed when another agency reported it now a new agency is reporting the same information they are trying to collect a XXXX student loan and XXXX XXXX and not actually investigating my problem Now you closed my complaint without action who do I ask for help now if you ignore the problem. \nPlease re-open the last 2 complaint # XXXX # XXXX I am filing the complaint for myself and need your assistance","date_sent_to_company":"2022-10-23T06:14:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"84065","tags":null,"has_narrative":true,"complaint_id":"6118155","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-23T05:54:18.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Refer to complaint # XXXX Which you closed saying you already processed this and yes same <em>problem</em> different collection agency and transunion. \nTransunion is reporting 2 collection accounts that were removed when another agency reported it now a new agency is reporting the same information they are trying to collect a XXXX <em>student</em> <em>loan</em> and XXXX XXXX and not actually <em>investigating</em> my <em>problem</em> Now you closed my complaint without action who do I ask for help now if you ignore the <em>problem</em>."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.583705,"6118155"]},{"_index":"complaint-public-v1","_id":"6118140","_score":15.574587,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Refer to complaint # XXXX Which you closed saying you already processed this and yes same problem different collection agency and XXXX. \nXXXX is reporting 2 collection accounts that were removed when another agency reported it now a new agency is reporting the same information they are trying to collect a discharged student loan and Pell grant and not actually investigating my problem Now you closed my complaint without action who do I ask for help now if you ignore the problem. \nPlease re-open the last 2 complaint # XXXX # XXXX I am filing the complaint for myself and need your assistance","date_sent_to_company":"2022-10-23T06:15:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"84065","tags":null,"has_narrative":true,"complaint_id":"6118140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SinglePoint GI","date_received":"2022-10-23T06:14:57.000Z","state":"UT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Refer to complaint # XXXX Which you closed saying you already processed this and yes same <em>problem</em> different collection agency and XXXX. \nXXXX is reporting 2 collection accounts that were removed when another agency reported it now a new agency is reporting the same information they are trying to collect a discharged <em>student</em> <em>loan</em> and Pell grant and not actually <em>investigating</em> my <em>problem</em> Now you closed my complaint without action who do I ask for help now if you ignore the <em>problem</em>."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your 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