It may feel like there is little protection for US consumers today, but a variety of federal, state, and local agencies remain responsible for addressing company fraud and deception. Consumer advocates emphasize that filing complaints with all relevant government offices is worthwhile, even amid government budget cuts, layoffs, and reduced federal regulatory oversight.

Complaints are logged and shared with Congress, state legislators, and the public, helping to shape budgets, investigations, and lawsuits. Key agencies include:

  • The Federal Trade Commission (FTC), which handles general product and service fraud and scams.
  • The Consumer Financial Protection Bureau (CFPB), which manages complaints in the financial services sector, including credit scorers and non-bank lenders, and continues to actively resolve issues despite funding cuts.
  • The Consumer Product Safety Commission, where consumers can search product recalls and file complaints about unsafe products.
  • The Federal Aviation Administration (FAA), which addresses airline travel delays, baggage problems, and discrimination.
  • The FBI’s Internet Crime Complaint Center, which takes reports of online criminal activity, including fraud, though criminal investigations require a higher threshold.

Additionally, consumers can register complaints about moving companies and other transportation services.

Notably, consumers can request an “external appeal” of a health insurer’s coverage denial in some states. However, the federal appeals process was suspended by the Department of Health and Human Services on July 1, 2026.

While the US consumer protection system faces significant challenges, filing complaints remains a critical tool for holding companies accountable and influencing regulatory action.

Sources

  • Guardian US, "Angry about fraud or an unsafe product? Here’s how to file a federal complaint," July 18, 2026: link