vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Consumer Response Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Unauthorized Hard Inquiry on TransUnion Credit Report by XXXX XXXX Dear Sir/Madam, I am writing to formally dispute an unauthorized hard inquiry on my TransUnion credit report. This inquiry, made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), was recorded on XX/XX/2024, without my consent or authorization. 

As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report. The FCRA mandates that all items on a consumer 's credit report must be fair, accurate, and substantiated. An unauthorized hard inquiry violates these principles, as it suggests a credit check initiated without my permission. 

The details of the disputed inquiry are as follows : - Inquiry Date : XX/XX/2024 - Reporting Agency : TransUnion - Inquiring Organization : XXXX XXXX XXXX XXXX I request that the Consumer Financial Protection Bureau investigate this matter and ensure the deletion of this unauthorized hard inquiry from my TransUnion credit report. I have not initiated any transaction or application with XXXXXXXX XXXX that would warrant a hard credit pull. Therefore, this inquiry is a clear error and must be addressed promptly to prevent any unwarranted impact on my credit score. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry and any other relevant documents for your reference. Please note that I have also contacted TransUnion and XXXX XXXX directly regarding this matter. 

I trust that the CFPB will take swift action in accordance with consumer protection laws to resolve this issue. I kindly request a written confirmation of the deletion of this inquiry from my credit report upon resolution. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : [ List of documents enclosed, e.g., copy of credit report, correspondence with TransUnion or XXXX XXXX, etc. ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Accounts reporting incorrectly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Union Home Mortgage Corp
State: OH

Complaint narrative:
Hi, Context : I had applied for a home mortgage with Union Home Mortgage with XXXX in XXXX XXXX XXXX XXXX XXXX, OH XXXX website https : XXXX last year in XX/XX/XXXX. I chose another lender and did not contact UHM since then Issue : Yesterday on XX/XX/XXXX someone from UHM tried to pull my credit report without authorization. I had frozen my credit reports so no damage was done. I came to know from the XXXX alert email ( attached redacted email ) Concern : Since my details have fallen in wrong hands i am worried that it may get pulled again if and when i unfreeze my credit. 

Action Taken : I tried to contact their customer service however i was not able to get to a person as their IVR kept on asking me to enter the Loan number. I have also emailed their leadership team to help me address the issue Thank you! 
Regards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. I have recently made a complaint ( complaint XXXX ) that was responded to ; however the response stated that I will not be receiving my fund or continuing service, HOWEVER early in the message it says my funds will be released for withdrawl on or before XX/XX/scrub>XXXX XXXX XXXX ...... 

SO WHICH IS IT!!! ! ... ... .ARE MY FUNDS GOING TO BE EVENTUALLY RELEASED OR ARE YOU GUYS STILL TRYING TO KEEP MY FUNDS?? once again its been since XXXX that my account was suspended an you have no proof of fraudulant activitiy, other than being suspicious of me an my cousins making venmo accounts with the sam

e address to file our taxes with SINCE WE ALL LIVE HERE ... ... .AN ( which is MY legal money ) ..... 
I even have proof of my tax forms to the irs, yet your holding my money .... WHEN WILL MY FUNDS BE RELEASED??? 180 DAYS IS ALMOST UP AN I WILL BE TAKING COURT ACTION IF MY FUNDS AREN'T RELEASED. VENMO HAS BEEN HOLDING PEOPLES MONEY AN HOPING THEY FALL OFF AN FORGET ABOUT IT, BUT IM NOT i WORLED ALL YEAR FOR MY FUNDS AN I WANT THEM BACK NOW!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
A debt collector keeps calling me, then immediately hanging up the phone and leaving a voicemail to call back before I ever answer the call. I have answered the phone and spoke with a woman who I do not remember her name, but I asked her what the debt was for, told her I was confused about the debt and she provided no further information for me and said she is only there to collect the money and can not provide any other information. I also have not received anything in the mail pertaining to this information. Lady was very rude to me on the phone when I kept asking her if she could give me any more details and also did not state to me that I could dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I called Money Gram to cancel the transfer because after trying to do it in their website is showing the optionto cancel but it was not responding. After I submitted my claim They give me the claim # XXXX The scam was by someone using XXXX XXXX pretending to be my sister requesting to do her a favor to make a transfer to a XXXX XXXX in XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and because my sister has a business in XXXX, the ( hacker ) and she said that she wasnt free to do it herself, Until l2 hours later another sister give the alert to the family about my sisters phone was hacked. The total deposit was for XXXX. Dlls Money Gram Payment Service receipt that I got for this transaction said the money will be available in the destiny country until XX/XX/2024 but they said they cant do reimbursement after the money is sent. So I told them why is showing the option to cancel. They did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently viewed a copy of a credit report, and I noticed there are unauthorized credit inquiries made by the companies listed below. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and remove these fraudulent inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently viewed a copy of a credit report, and I noticed there are unauthorized credit inquiries made by the companies listed below. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and remove these fraudulent inquiries from my credit report. 

EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity and these accounts were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company does not have permissible purpose to furnish anything on my credit report I'm requesting a forward flow agreement or better knew as a purchase agreement if these document is not produced this account shall be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Reviewed most recent credit report from Equifax and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently viewed a copy of a credit report, and I noticed there are unauthorized credit inquiries made by the companies listed below. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and remove these fraudulent inquiries from my credit report. 

EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Consumer Response Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Unauthorized Hard Inquiry on XXXX Credit Report by XXXX XXXX Dear Sir/Madam, I am writing to formally dispute an unauthorized hard inquiry on my XXXX credit report. This inquiry, made by XXXX XXXX XXXX XXXX ( NAVY FCU ), was recorded on XX/XX/2024, without my consent or authorization. 
As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report. The FCRA mandates that all items on a consumer 's credit report must be fair, accurate, and substantiated. An unauthorized hard inquiry violates these principles, as it suggests a credit check initiated without my permission. 

The details of the disputed inquiry are as follows : - Inquiry Date : XX/XX/2024 - Reporting Agency : XXXX - Inquiring Organization : NAVY Federal Credit Union I request that the Consumer Financial Protection Bureau investigate this matter and ensure the deletion of this unauthorized hard inquiry from my XXXX credit report. I have not initiated any transaction or application with NAVY FCU that would warrant a hard credit pull. Therefore, this inquiry is a clear error and must be addressed promptly to prevent any unwarranted impact on my credit score. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry and any other relevant documents for your reference. Please note that I have also contacted XXXX and XXXX XXXX directly regarding this matter. 

I trust that the CFPB will take swift action in accordance with consumer protection laws to resolve this issue. I kindly request a written confirmation of the deletion of this inquiry from my credit report upon resolution. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : [ List of documents enclosed, e.g., copy of credit report, correspondence with XXXX or XXXX XXXX, etc. ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Hey there, My name 's XXXX XXXX, and I'm reaching out because I've run into a bit of a snag with PayPal Inc. They've gone ahead and slapped some restrictions on my account ( XXXX ) without giving me a heads up or any kind of reason. Honestly, it feels like a huge mistake because I'm pretty sure I haven't stepped out of line or broken any of PayPal 's rules. 

I've always made sure my actions were on the up and up, following all of PayPal 's guidelines to the letter. This sudden lockout 's thrown a wrench in my works, cutting me off from doing my usual financial stuff, which is a real pain both personally and professionally. 

I've tried reaching out to PayPal 's support crew a bunch of times to get the lowdown on why my account 's in the doghouse and how to get things back to normal, but it's been like talking to a brick wall. No helpful feedback or steps forward.

Company response to consumer: Closed with non-monetary relief