Webrecon July 2025 stats

Litigation Analysis

Everything is back up again

After a dip in most statute filings last month, everything is back up in July.

TCPA (+6.2%), FDCPA (+4.9%) and FCRA (+18.9%(!)) were all up for the month of July. YTD, TCPA (+52.7%) and FCRA (+23%) are both way up, while FDCPA (-5.3%) is the only one still lagging behind last year. But even that margin shrunk (by -.6%) last month, following a months-long pattern of getting smaller.

Meanwhile, CFPB complaints were up 10.8% for the month and up a whopping 103.9%(!) for the year so far.

In other news, putative class actions represented 3.3% of FDCPA, 72.5%(!) of TCPA and 1% of FCRA lawsuits filed last month. TCPA class actions are still extraordinarily high, historically speaking. About 45% of all plaintiffs who filed suit last month had filed at least once before. And finally, South Florida attorney Gerald Lane (from The Law Offices of Jibrael S. Hindi) continued for a sixth straight month to represent both the most consumers in last month (82) as well as YTD (439).

Complaint statistics

26963 consumers filed CFPB complaints, and about 1131 consumers filed lawsuits under consumer statutes from Jul 01, 2025 to Jul 31, 2025.

• 26963 CFPB Complaints
• 362 FDCPA, 12 Class Action (3.3%)
• 273 TCPA, 198 Class Action (72.5%)
• 788 FCRA, 8 Class Action (1.0%)

Litigation Summary (scroll down for CFPB data):

• Of those cases, there were about 1131 unique plaintiffs (including multiple plaintiffs in one suit).
• Of those plaintiffs, about 508, or (45%), had sued under consumer statutes before.
• Combined, those plaintiffs have filed about 4586 lawsuits since 2001
• Actions were filed in 154 different US District Court branches.
• About 746 different collection firms and creditors were sued.

The top courts where lawsuits were filed:

• 79 Lawsuits: Georgia Northern District Court – Atlanta
• 72 Lawsuits: Florida Middle District Court – Tampa
• 61 Lawsuits: Illinois Northern District Court – Chicago
• 58 Lawsuits: California Central District Court – Western Division – Los Angeles
• 47 Lawsuits: California Central District Court – Southern Division – Santa Ana
• 45 Lawsuits: Florida Southern District Court – Miami
• 35 Lawsuits: California Southern District Court – San Diego
• 30 Lawsuits: Florida Southern District Court – Fort Lauderdale
• 29 Lawsuits: Florida Middle District Court – Orlando
• 27 Lawsuits: California Central District Court – Eastern Division – Riverside

The most active consumer attorneys were:

• Representing 82 Consumers: GERALD DONALD LANE
• Representing 46 Consumers: ZANE CHARLES HEDAYA
• Representing 41 Consumers: FAARIS KAMAL UDDIN
• Representing 23 Consumers: MARK A CAREY
• Representing 18 Consumers: ETHAN BRANDON BABB
• Representing 18 Consumers: SAMANTHA R WOOD
• Representing 17 Consumers: KYLE W SCHUMACHER
• Representing 16 Consumers: ANTHONY PARONICH
• Representing 13 Consumers: JONATHAN H YONG

Statistics Year to Date:
‍
7640 total lawsuits for 2025, including:

• 2468 FDCPA
• 4542 FCRA
• 1609 TCPA

Number of Unique Plaintiffs for 2025:

6567 (including multiple plaintiffs in one suit)

The most active consumer attorneys of the year:

• Representing 439 Consumers: GERALD DONALD LANE
• Representing 185 Consumers: ZANE CHARLES HEDAYA
• Representing 164 Consumers: FAARIS KAMAL UDDIN
• Representing 131 Consumers: OCTAVIO GOMEZ
• Representing 99 Consumers: ANTHONY PARONICH
• Representing 77 Consumers: JONATHAN ALEXANDER HEEPS
• Representing 77 Consumers: DAVID J PHILIPPS
• Representing 77 Consumers: TODD M FRIEDMAN
• Representing 75 Consumers: MARK A CAREY

CFPB Complaint Statistics:

There were 26963 complaints filed against debt collectors from Jul 01, 2025 to Jul 31, 2025.

Total number of debt collectors complained about: 1114

The types of debt behind the complaints were:

• 14504 I do not know (54%)
• 5191 Other debt (19%)
• 3466 Credit card debt (13%)
• 1008 Rental debt (4%)
• 990 Telecommunications debt (4%)
• 737 Medical debt (3%)
• 568 Auto debt (2%)
• 257 Payday loan debt (1%)
• 104 Federal student loan debt (0%)
• 87 Private student loan debt (0%)
• 51 Mortgage debt (0%)

Here is a breakdown of complaints:

• 11051 Attempts to collect debt not owed (41%)
• 7241 Written notification about debt (27%)
• 3752 False statements or representation (14%)
• 3615 Took or threatened to take negative or legal action (13%)
• 747 Communication tactics (3%)
• 364 Electronic communications (1%)
• 193 Threatened to contact someone or share information improperly (1%)

The top five sub issues were:

• 6112 Debt is not yours (23%)
• 4560 Notification didnt disclose it was an attempt to collect a debt (17%)
• 4014 Debt was result of identity theft (15%)
• 3578 Attempted to collect wrong amount (13%)
• 3116 Threatened or suggested your credit would be damaged (12%)

The top states complaints were filed from are:

• 6130 Complaints: TX
• 2938 Complaints: FL
• 2088 Complaints: GA
• 1926 Complaints: CA
• 1254 Complaints: NC
• 1124 Complaints: IL
• 943 Complaints: NY
• 822 Complaints: PA
• 761 Complaints: VA
• 668 Complaints: LA

The status of the month’s complaints are as follows:

• 12629 In progress (47%)
• 11575 Closed with explanation (43%)
• 2432 Closed with non-monetary relief (9%)
• 306 Untimely response (1%)
• 21 Closed with monetary relief (0%)

This includes 26515 (98%) timely responses to complaints, and 448 (2%) untimely responses.