Lizzy Johnson, from Walton-on-Thames, Surrey, met a man on Tinder and suggested they go on a stroll, having clocked his boxer dog.
However, it later transpired that the pup had never seen water before and it promptly jumped into the River Mole, sending the owner into a flap.
The mum-of-two realised she had no choice but to clamber in and save the dog.
Thirty-seven-year-old Lizzy said: "As the dog jumped in, he just panicked and was like, 'Oh my God, my dog's never been in water before.'
"I had to pull the dog out because the owner was too busy flapping.
"I took a step to the left in the bank and went even deeper below my boobs, so had to work out how to get out from there.
"I was wearing mini-heeled boots so luckily I had some grip, and I managed to get my leg quite high up above the water and hook onto a twig. I dug my hands into the bank to find something to grip onto."
Thankfully, the pooch was OK, but Lizzy was left in a right state.
The pharmacy dispenser said: "I got out and asked if my make-up was ok and he was like, 'Yes, it's fine.' When I looked in the mirror at home I had mud on my face.
"We walked past quite a few families and they looked at me like, 'What have you been doing?'
"He was like, 'I was going to go in, you didn't need to do that - I was going to empty my pockets and then lie down the bank and pull him out.'
"I guess he was trying to be logical whereas I was like, 'There's a dog in the river drowning - I need to get the dog out.'"
This could be quite an amusing little 'How did you guys first meet?' story, but unfortunately Lizzy didn't even like the bloke - though she's actually glad about that.
She said: "Thank God I didn't like him, I would have been horrified if I did. He looked like Shaggy from Scooby-Doo - he had the same haircut.
"It was probably the worst date ever, maybe because I wasn't feeling him as well. It wasn't a great date.
"It was my first socially-distanced kind of date and I'm just going to wait until things resume so I can be taken out for a nice glass of wine. Dog walks are out of the picture for now."
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