Consumer Tips

PROTECTING YOURSELF IN A COMPLEX MARKETPLACE — Our researchers and attorneys provide key tips for how you can shop for the best bank, get the best car loan, protect against identity theft and more.

How to Protect Yourself

Being a consumer in today’s marketplace can be tough. Financial decisions in particular often require navigating a torrent of misleading advertisements and pages of jargon-filled small print. Even the simplest choices – everyday financial decisions like opening a credit card, creating a bank account, applying for a loan, or sorting through cell phone contracts – can take time, energy, and knowledge that too many of us don’t have.
   
Many financial institutions don’t set out to make it easier for their customers:

  • 1 out of every 20 Americans - millions of consumers - have errors on their credit reports significant enough to raise their rate on loans.
  • Financing cars through dealerships costs consumers more than $25.8 billion in additional hidden interest.
  • From 2005 to 2010, identity theft rose by 33%. In 2012, an estimated 12.6 million Americans became victims. That is 1 victim every 3 seconds. 
  • Banks made around $30 billion in overdraft fees in 2011, fees they pitched as “overdraft protection” but actually cost consumers more.

Despite these practices, there are ways to protect yourself.  We want to help. This is why we’ve created the following tip sheets based on common complaints to the Consumer Financial Protection Bureau and the Federal Trade Commission. Read on. Protect yourself from becoming a statistic.

File a complaint if you have a problem

For all sorts of everyday consumer problems, there are government resources than can help. Federal agencies like the Consumer Financial Protection Bureau and Consumer Product Safety Commission exist to protect us from unfair or dangerous products. Submitting complaints to government agencies can help resolve your problem AND it helps these agencies hold companies accountable for unfair practices. For more information, consult our tip sheet on the subject, which includes information on how to contact the CFPB with financial complaints, the CPSC with toy and other product safety complaints, the NHTSA with car safety complaints and DOT with air travel complaints: How to File a Consumer Complaint and Use Government Databases.

Find more information about...

Keeping Track of Your Money:

Credit Reports, Credit Scores, and Identity Theft:

Common Consumer Problems:

Please note that these tips are not intended as, nor should they be construed as, legal advice. If you need legal advice dealing with a consumer problem, consult an attorney.

Issue updates

News Release | Arizona PIRG Education Fund | Consumer Protection

Tenth anniversary for life-saving protections for children’s products celebrated

The number of recalls for lead-contaminated toys has dropped by 97 percent in the United States in the decade since Congress passed the Consumer Product Safety Improvement Act (CPSIA). The CPSIA empowered the Consumer Product Safety Commission (CPSC) to protect children from lead-contaminated toys and other dangerous toys, cribs and car seats. 

> Keep Reading
Blog Post | Consumer Protection

ID Theft & Privacy Checklists | Mike Litt

Today, we're releasing our revamped Identity Theft and Online Privacy resources.

> Keep Reading
News Release | Arizona Public Interest Research Group (Arizona PIRG) | Consumer Protection

Consumer Financial Protection Bureau’s Predatory Lending Rule Kept Intact

While Arizona organizations celebrated the clock running out for Congress to repeal protections against predatory lending debt traps under the Congressional Review Act, consumer advocacy coalition leaders also stressed the need for consumers to remain vigilant.

> Keep Reading
Report | U.S. PIRG Education Fund | Consumer Protection

Trouble in Toyland 2017

For over 30 years, U.S. PIRG Education Fund has conducted an annual survey of toy safety, which has led to over 150 recalls and other regulatory actions over the years, and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children.

Toys are safer than ever before, thanks to decades of work by product safety advocates, parents, the leadership of Congress, state legislatures, and the Consumer Product Safety Commission (CPSC). 

> Keep Reading
News Release | U.S. PIRG Education Fund | Consumer Protection

32nd Annual “Trouble in Toyland” Survey Finds Dangerous Toys on Store Shelves

Stores nationwide are still offering dangerous and toxic toys this holiday season and, in some cases, ignoring explicit government safety regulations in the process, according to U.S. Public Interest Research Group (PIRG) Education Fund’s 32nd annual Trouble in Toyland report. The survey of potentially hazardous toys found that, despite recent progress, consumers must still be wary when shopping for children’s gifts.

 

 

> Keep Reading

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News Release | Arizona PIRG Education Fund | Consumer Protection

Tucson electricity ratepayers raise alarm about service rollbacks

Tucson Electric Power (TEP) ratepayers are raising the alarm about plans to suspend energy efficiency programs that save ratepayers money. Over three dozen community groups, businesses, trade associations and more than 300 residents signed onto letters to the chair of the Arizona Corporation Commission, which regulates TEP. In the letters, ratepayers urged regulators to help moderate electricity costs by ramping up energy efficiency investments.

> Keep Reading

L'Oréal: Pledge to Be Toxic-Free

Today, Arizona PIRG, Campaign for Safe Cosmetics (a project of Breast Cancer Prevention Partners (BCPP)), and Safer Chemicals Healthy Families delivered more than 150,000 petition signatures calling on the multinational cosmetic giant L’Oréal USA to eliminate cancer causing chemicals and to disclose its secret “fragrance” chemicals. 

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News Release | Arizona PIRG Education Fund | Consumer Protection

New Report Highlights Consumer Complaints about Medical Debt

A new report by the Arizona PIRG Education Fund and the Frontier Group explores consumer complaints about medical debt, a major source of problems for consumers, since medical debt items on credit reports are often wrong or about the wrong consumer. 

> Keep Reading
News Release | U.S. PIRG | Consumer Protection

Court to Rehear CFPB’s Constitutionality

Statement by Mike Landis, Litigation Director at U.S. PIRG, about today’s decision by the D.C. Circuit Court of Appeals to rehear en banc the panel ruling against the CFPB’s independent leadership. 

> Keep Reading
News Release | Consumer Protection

Unilever: Go Toxic-Free

On Valentine’s Day, consumer groups thank Unilever for great first step in disclosing fragrance ingredients and call on personal care giant to go toxic-free.

> Keep Reading

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Report | Arizona PIRG Education Fund | Consumer Protection

Mixed Signals

One year from now 22 million Americans who rely on free over-the-air analog broadcasting will be at risk of losing access to TV. On February 17, 2009, analog televisions that receive over-the-air signals will go dark, unless they are retrofitted with digital converter boxes.

> Keep Reading
Report | Arizona PIRG | Consumer Protection

Trouble in Toyland 2007

Hazardous toys are still sold in stores across the country, according to the 22nd annual toy safety survey released today by the Arizona Public Interest Research Group (Arizona PIRG).

> Keep Reading
Report | Arizona PIRG Education Fund | Consumer Protection

Trouble in Toyland 2006

According to the most recent data from the Consumer Product Safety Commission (CPSC), almost 73,000 children under the age of five were treated in emergency rooms for toy-related injuries in 2005. Twenty children died from toy-related injuries last year.

> Keep Reading
Report | Arizona PIRG Education Fund | Consumer Protection

Arizona's Food Safety Net

Protecting the safety and integrity of the food supply is one of the oldest functions of government, one that the American people expect their government to perform and perform well.

> Keep Reading
Report | Arizona PIRG | Consumer Protection

Our Water, Our Future

In Arizona, the most recent drought of the past decade has surpassed the worst drought in the last 110 years of recordkeeping. Arizona’s finite, limited supply of water is being stretched between new, fast accumulating demands. Arizona’s population is projected to double by 2030. Much of this growth is occurring in rural areas of the state where there are minimal protections or regulations on water and its use. According to the U.S.

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Blog Post | Consumer Protection

The End of Net Neutrality As We Know It? | Diane Brown

On Thursday, the U.S. Federal Communications Commission (FCC) meets to propose new rules "to protect and promote the open Internet." It has no choice because a U.S. appellate court threw out parts of its current rules in a January decision favoring the telephone company Verizon. The decision did not eliminate FCC authority to regulate the Internet, but it did make it more complicated.

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Blog Post | Consumer Protection

How to protect yourself from the security bug Heartbleed | Diane Brown

Heartbleed is a recently discovered hole in the security software used by most major websites – everyone from Amazon to Yahoo to eBay – that may have allowed hackers to access consumers’ passwords or credit card information. Here are our recommendations for protecting yourself.

> Keep Reading
Blog Post | Consumer Protection

Target says "Oops, 70-110 million consumers hacked." | Diane Brown

Target is now saying, reports the New York Times, that "a range of 70 million to 110 million people," not the original 40 million customers, had their credit or debit card numbers hacked in December (or possibly at other times). Even worse, Target is admitting that the database stolen from the big-box retailer included a lot more than credit or debit card numbers and their associated security codes and expiration dates.

> Keep Reading
Blog Post | Consumer Protection

The CFPB is now taking your credit bureau complaints | Diane Brown

Excellent news! The Consumer Financial Protection Bureau is now taking your complaints about credit bureaus and credit reports. Click here to go to the CFPB credit bureau complaint page.

> Keep Reading
Blog Post | Consumer Protection

New Law Turns 4 This Week-- Got The Lead Out of Kid's Toys | Diane Brown

Less Lead in Toys Thanks to the Consumer Product Safety Improvement Act. Happy 4th Birthday!

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News Release | U.S. PIRG Education Fund

The U.S. Consumer Product Safety Commission (CPSC) announced today that discount stores T.J. Maxx, Marshalls and HomeGoods sold 19 different recalled products to consumers between 2014 and 2019. In the case of five products, the stores’ parent company TJX initiated the recall. The products included the Rock ‘N Play and Kids II inclined infant sleepers, which are responsible for a number of fatalities, rattles that can break and pose a choking hazard, and electronics that overheat or explode. 

News Release | U.S. PIRG Education Fund

The U.S. Food and Drug Administration (FDA) has confirmed today that the drug manufacturers Dr. Reddy’s and Perrigo have initiated a voluntary recall of all of their generic versions of Zantac (ranitidine) -- commonly used to treat heartburn -- due to carcinogen contamination.

News Release | U.S. PIRG Education Fund

Despite more than 50 infant deaths from inclined sleepers, including the Fisher-Price Rock ‘n Play and the Kids II Rocking Sleeper, many versions of this type of product remain for sale and in homes. The U.S. Consumer Product Safety Commission (CPSC) is proposing a new rule that would virtually end the sale of inclined sleepers. 

News Release | Arizona PIRG Education Fund

A new report from Arizona PIRG Education Fund and Frontier Group highlights municipalities across the country that are making the switch to electric buses and reaping the benefits on dual fronts -- reducing emissions as well as operating expenses.

Consumer Protection

Watch out for unsafe toys this holiday season

Our annual “Trouble in Toyland” report found toys with choking hazards, recalled toys still for sale, toxics in slime and more.

 

Consumer Protection

Consumer Alert: Heartburn medication recalled due to carcinogen concerns

If you frequently use Zantac (ranitidine) or a generic version to treat heartburn, you should check if it's a Dr. Reddy’s, Perrigo or Sanofi product and immediately consult your doctor, says PIRG Consumer Watchdog Adam Garber.

 

Consumer Protection | U.S. PIRG

Unsafe used cars for sale

Our new report revealed that AutoNation, which bills itself as “America’s Largest Auto Retailer,” is selling recalled, used vehicles that contain dangerous safety defects. We're calling on AutoNation's Executive Chairman to stop selling cars with unrepaired recalls.

 

Consumer Protection | U.S. PIRG

Campus debit cards cost students over $24 million in fees

Report shows how campus debit cards — along with how they are marketed — are putting students' financial well-being at risk across the country.

 
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