Litigation Analysis
Quick analysis: Mixed Results
Well, the last few months have seen swings between everything going up and everything going down. But the month of June 2026 shows mixed results for filings of the top consumer protection statutes.
TCPA (+1.2%) and FCRA (+16.5%) were both up, while FDCPA (-5.5%) dropped a bit. Filings for all three statutes, however, are all still trending up by double digits for the year-to-date, with TCPA (+34.3%), FDCPA (+12.1%) and FCRA (+43.1%) showing no signs of cooling off for the foreseeable future.
CFPB complaints dipped a bit, down 1.0%, but still trending up 30.4% for the year-to-date.
In other news, putative class actions represented 7.4% of FDCPA, 76.4%(!) of TCPA and 1.8% of FCRA lawsuits filed last month. TCPA class actions are still extraordinarily high, historically speaking. About 40% 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 seventeenth straight month to represent both the most consumers in June (52) as well as YTD (431).
Complaint Statistics:
27054 consumers filed CFPB complaints, and about 1361 consumers filed lawsuits under consumer statutes from Jun 01, 2026 to Jun 30, 2026.
- 27054 CFPB Complaints
- 364 FDCPA, 27 Class Action (7.4%)
- 250 TCPA, 191 Class Action (76.4%)
- 981 FCRA, 18 Class Action (1.8%)
Litigation Summary (scroll down for CFPB data):
- Of those cases, there were about 1361 unique plaintiffs (including multiple plaintiffs in one suit).
- Of those plaintiffs, about 550, or (40%), had sued under consumer statutes before.
- Combined, those plaintiffs have filed about 9446 lawsuits since 2001
- Actions were filed in 163 different US District Court branches.
- About 744 different collection firms and creditors were sued.
The top courts where lawsuits were filed:
- 120 Lawsuits: Georgia Northern District Court - Atlanta
- 95 Lawsuits: District Court For The Northern District Of Illinois
- 85 Lawsuits: California Central District Court - Western Division - Los Angeles
- 59 Lawsuits: California Central District Court - Southern Division - Santa Ana
- 50 Lawsuits: Texas Southern District Court - Houston
- 43 Lawsuits: Florida Middle District Court - Tampa
- 42 Lawsuits: Texas Northern District Court - Dallas
- 40 Lawsuits: California Central District Court - Eastern Division - Riverside
- 29 Lawsuits: Massachusetts District Court - Boston
- 28 Lawsuits: Michigan Eastern District Court - Detroit
The most active consumer attorneys were:
- Representing 52 Consumers: GERALD DONALD LANE
- Representing 33 Consumers: ESTHER NNEKA OISE
- Representing 33 Consumers: JONATHAN ALEXANDER HEEPS
- Representing 26 Consumers: VINIT ROY VENKATESH
- Representing 20 Consumers: SCOTT EDWIN FERRELL
- Representing 18 Consumers: HEATHER RENEE HICKS
- Representing 17 Consumers: VIN ROY VENKATESH
- Representing 17 Consumers: HEATHER HICKS
- Representing 15 Consumers: ASHLEY BURNETTE SMITH
Statistics Year to Date:
8005 total lawsuits for 2026, including:
- 2284 FDCPA
- 5171 FCRA
- 1532 TCPA
Number of Unique Plaintiffs for 2026: 6935 (including multiple plaintiffs in one suit)
The most active consumer attorneys of the year:
- Representing 431 Consumers: GERALD DONALD LANE
- Representing 135 Consumers: MARK A CAREY
- Representing 124 Consumers: JEFF LOHMAN
- Representing 121 Consumers: JONATHAN ALEXANDER HEEPS
- Representing 118 Consumers: ESTHER NNEKA OISE
- Representing 97 Consumers: ZANE CHARLES HEDAYA
- Representing 94 Consumers: KYLE W SCHUMACHER
- Representing 84 Consumers: OCTAVIO GOMEZ
- Representing 80 Consumers: DAVID J PHILIPPS
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CFPB Complaint Statistics:
There were 27054 complaints filed against debt collectors from Jun 01, 2026 to Jun 30, 2026.
Total number of debt collectors complained about: 1113
The types of debt behind the complaints were:
- 18341 I do not know (68%)
- 2756 Credit card debt (10%)
- 2693 Other debt (10%)
- 940 Rental debt (3%)
- 938 Telecommunications debt (3%)
- 562 Medical debt (2%)
- 449 Auto debt (2%)
- 192 Payday loan debt (1%)
- 70 Federal student loan debt (0%)
- 63 Private student loan debt (0%)
- 50 Mortgage debt (0%)
Here is a breakdown of complaints:
- 11392 Attempts to collect debt not owed (42%)
- 7984 Took or threatened to take negative or legal action (30%)
- 4051 Written notification about debt (15%)
- 2457 False statements or representation (9%)
- 656 Communication tactics (2%)
- 321 Electronic communications (1%)
- 193 Threatened to contact someone or share information improperly (1%)
The top five subissues were:
- 7746 Debt is not yours (29%)
- 7528 Threatened or suggested your credit would be damaged (28%)
- 2601 Debt was result of identity theft (10%)
- 2576 Didnt receive enough information to verify debt (10%)
- 2341 Attempted to collect wrong amount (9%)
The top states complaints were filed from are:
- 4819 Complaints: TX
- 2984 Complaints: FL
- 2543 Complaints: CA
- 2031 Complaints: GA
- 1299 Complaints: AZ
- 1038 Complaints: NC
- 958 Complaints: NY
- 883 Complaints: IL
- 843 Complaints: PA
- 841 Complaints: SC
The status of the month’s complaints are as follows:
- 15516 Closed with explanation (57%)
- 5673 In progress (21%)
- 4945 Closed with non-monetary relief (18%)
- 891 Untimely response (3%)
- 29 Closed with monetary relief (0%)
This includes 25898 (96%) timely responses to complaints, and 1156 (4%) untimely responses.
