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.

Protect Yourself

In today's marketplace, it takes a savvy, informed consumer to avoid common pitfalls and threats. Financial decisions in particular require assessing a blizzard of advertisements and navigating pages of jargon-laden fine print to make decisions about credit cards, bank accounts, loans, health insurance, and cell phone contracts, among other things.

It’s more important than ever to protect yourself:

  • Consumers who finance their cars through a dealership pay more than $25.8 billion in additional hidden interest over the lives of their loans.
  • In 2010, more than 8 million households were victims of identity theft, a 33 percent rise since 2005.
  • One out of 20 consumers has errors on their credit report significant enough to lead to higher rates on loans.
  • Banks made around $30 billion in overdraft fees in 2011. Adding insult to injury, these fees were pitched as “overdraft protection,” which most consumers would be better off without.

That's why the U.S. PIRG Education Fund has compiled recommendations and resources for consumers. Our tip sheets address some of the most common complaints received by the Federal Trade Commission—read on, and protect yourself from becoming a statistic.

 
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 | Consumer Protection

Equifax Breach Puts Millions at Risk of New ID Theft

Statement by Mike Litt at the U.S. PIRG Education Fund, on the recently announced Equifax data breach.

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Texas Chemical Explosions: More Safety Needed Now

Two small explosions last night at a Texas chemical facility highlight that comprehensive emergency regulations need to be enforced more strictly at chemical plants.

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Statement on P&G’s Consumer Product Fragrance Disclosure Announcement

U.S. PIRG Education Fund applauds consumer product giant Procter & Gamble, the maker of brands like Olay, Old Spice, and Pampers, for its announcement today that it will increase fragrance ingredient transparency in all of its consumer brands.

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News Release | CALPIRG Education Fund | Consumer Protection

California Moves to Study, Not Ban, Toxic Chlorpyrifos

The Brown administration should recognize that the science of the harmful effects of chlorpyrifos is well-established, and that it is time to eliminate its use in California.

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Blog Post | Consumer Protection, Financial Reform

U.S. PIRG Education Fund Files Amicus Brief in the U.S. Supreme Court Supporting States in Antitrust Litigation Against American Express | Michael Landis

On July 6, 2017, U.S. PIRG Education Fund filed with the U.S. Supreme Court an amicus brief supporting several states who are asking the Court to review a Second Circuit judgment that allows American Express to prohibit merchants from encouraging customers to use lower-priced payment options.

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News Release | U.S. PIRG | Consumer Protection

Consumer Advocates Concerned By Court Ruling Overturning Ban on High-Powered Magnets

We've joined leading consumer and pediatrician organizations in a joint news release with a sharp critique of a U.S. appellate court decision overturning a U.S. Consumer Product Safety Commission ban on the sale of high-powered small magnets (some as small as BBs) that pose a severe ingestion problem for children and youth. As our Trouble In Toyland report released on November 22 pointed out: "Nearly 80 percent of high-powered magnet ingestions require invasive medical intervention, either through an endoscopy, surgery, or both. In comparison, only 10 to 20 percent of other foreign body ingestions require endoscopic intervention and almost none require surgery."

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News Release | U.S. PIRG Education Fund | Consumer Protection

Statement on today’s final VW settlement involving about 475,000 2.0-liter diesel vehicles

Statement by Mike Litt, Consumer Program Advocate at U.S. PIRG Education Fund, on today’s final VW settlement involving about 475,000 2.0-liter diesel vehicles.

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Open Letter Calling on L’Oreal to be Toxic-Free

An Open Letter to the CEO of L’Oreal calling on the company to Pledge to be Toxic-Free

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Open Letter Calling on Unilever to be Toxic-Free

An Open Letter to the CEO of Unilever calling on the company to Pledge to be Toxic-Free

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Blog Post | Consumer Protection

Shopping? We've got your back, online and in the store. | Ed Mierzwinski

Whether you're shopping for toys or anything else this holiday season, the state PIRGs have new resources to help you make better, safer choices. We also have tips to protect your privacy and your wallet from online scams and rip-offs.

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Blog Post | Consumer Protection

Will U.S. Trade Deal With Europe Eliminate Consumer Protections? | Ed Mierzwinski

Tomorrow, Tuesday, on Election Day, Washington State voters will consider the question "Yes On 522: To Label Genetically-Modified Foods." The right to choose your food is a right that American consumers want and every European citizen already has. But at the behest of the powerful agribusiness industry, U.S. trade negotiators want to take it away from all of us on both sides of the Atlantic in a secret deal. U.S. PIRG is among the consumer groups pushing back.

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Blog Post | Consumer Protection

How To: Using the CFPB's Consumer Complaint Database | Laura Murray

Since June 2011, the Consumer Financial Protection Bureau (CFPB) has been getting results for consumers by allowing them to file complaints about a variety of financial products and services.  The complaint process has helped thousands of consumers settle disputes with their banks and lenders.  Many of these consumers obtain tangible relief through the process.

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Blog Post | Consumer Protection

CFPB gets results for consumers, slams Chase for deceptive card add-ons | Ed Mierzwinski

Earlier this week, USPIRG Education Fund released "Big Banks, Big Complaints," a report documenting how the CFPB is helping bank customers with its public complaint database. Today, the CFPB announced it had imposed a $20 million civil penalty on JP Morgan Chase and ordered it to refund $309 million to over 2 million consumers for deceptively marketing junky credit card add-on products, some of which consumers didn't even receive. The CFPB is getting results.

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Blog Post | Public Health, Consumer Protection

Preventing the Chobani Mold Problem

The constant stream of food recalls has made one thing clear: more needs to be done to protect Americans from the risk of unsafe food. Instead we’re seeing important rules, standards, and inspections that could significantly improve food safety getting blocked, underfunded, or delayed, allowing the drumbeat of recalls to continue.

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