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Guides › Banking Scams and Fraud › What Does the ICO Do for Consumers?

What Does the ICO Do for Consumers?

The Information Commissioner's Office (ICO) is where you can complain if an organisation has not kept your information safe, has not answered a request for your data, or keeps sending marketing after you opted out. You usually need to complain to the organisation first.

Rules checked against the official sources listed below General information, not legal advice

At a Glance

Databreaches and safety
Requestsfor your data ignored
Marketingthat will not stop

Your Rights

What the rules say, with a link to the official source for each.

The Short Answer

  • Data Breaches

    You can complain to the ICO if an organisation hasn't kept your information safe; give the organisation a chance to respond first. source

  • Data Requests

    If an organisation does not respond to your subject access request within one month, follow up and complain to it, then complain to the ICO within three months of your last meaningful contact. source

  • Marketing

    Organisations must stop marketing emails once you opt out. If they continue, you can complain to the ICO. source

Time Limits to Know

Miss a deadline and you can lose a right. Check the dates on your own paperwork.

  • 3 months
    Complain to the ICO about a data requestFrom your last meaningful contact

Steps to Take

Step 1 of 3

Complain to the organisation first, in writing.

Step 2 of 3

Keep copies and dates.

Step 3 of 3

Use the ICO's online complaint forms.

(Tap the numbers to reveal steps)

Where to Go If It Is Not Put Right

Your options, in order, and when each one applies.

The Organisation

Complain here first.

Information Commissioner's Office

If the organisation does not put it right.

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If you would like one of our team to look at your problem, our initial case review is free. We cannot guarantee any outcome and we do not give legal advice.

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Luke Marley

Lead reviewer

Luke Marley

Founder and Lead Reviewer

Luke founded CPUK in 2026 after seeing how hard it is for ordinary people to get problems with companies put right. He oversees our guides and checks them against official sources.

Research by Katie Burt, Co-founder and Operations Lead (17 years in the care sector, including managing services for vulnerable adults), and the CPUK Research Team. Researched with AI-assisted research tools, then checked and corrected by our team.

Last checked: 13 October 2026. We are not paid by the companies we write about. Adverts never affect our guidance. Read our editorial policy.

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