WebRecon’s latest July 2025 report shows that, after a temporary slowdown in June, consumer litigation and complaint activity have bounced back significantly. Telephone Consumer Protection Act (TCPA), Fair Debt Collection Practices Act (FDCPA), and Fair Credit Reporting Act (FCRA) filings all rose in July, while Consumer Financial Protection Bureau (CFPB) consumer complaints surged to new highs. This continued escalation underscores the importance of companies remaining vigilant and proactive in monitoring regulatory and litigation risks.
Class action litigation remains a defining risk factor, particularly in TCPA filings, where almost three-fourths of all filings were filed on a class-wide basis. Meanwhile, repeat plaintiffs still account for nearly half of all filings. Roughly 45% of plaintiffs who filed suit in July had filed at least once before, underscoring the persistence of serial litigation in this space.
Key Statistics
- Telephone Consumer Protection Act (TCPA): 273 cases filed in July, up 6.2% from June and up 52.7% YTD. Notably, 72.5% of these cases were filed as class actions.
- Fair Credit Reporting Act (FCRA): 788 cases filed in July, a sharp 18.9% increase from June and up 23% YTD. Only 1% of these were class actions.
- Fair Debt Collection Practices Act (FDCPA): 362 cases filed in July, up 4.9% from June but down 5.3% YTD. Putative class actions represented 3.3% of filings.
- Consumer Financial Protection Bureau (CFPB) Complaints: 26,963 complaints were filed in July, up 10.8% from June and up a striking 103.9% YTD. Of these:
- 41% related to attempts to collect debt not owed
- 27% concerned inadequate written notification
- 14% cited false statements or misrepresentations
- 13% involved threats of legal or negative action
In July, lawsuits were filed across 154 U.S. District Courts. The most active courts were:
- Georgia Northern District – Atlanta (79)
- Florida Middle District – Tampa (72)
- Illinois Northern District – Chicago (61)
- California Central District – Los Angeles (58)
- California Central District – Santa Ana (47)
- Florida Southern District Court – Miami (45)
Texas led all states in CFPB complaints (6,130), followed by Florida (2,938), Georgia (2,088), California (1,926), North Carolina (1254), and Illinois (1124).
The July rebound across all major consumer protection statutes reflects a litigation climate that continues to demand heightened vigilance. With TCPA class actions remaining historically high, CFPB complaints surpassing double their 2024 levels, and repeat plaintiffs driving nearly half of filings, consumer finance companies should take proactive steps to reinforce compliance programs, audit internal processes, and prepare litigation strategies aligned with these accelerating trends.
