May 2025 – May 2026

What you're looking at

95,852 consumer complaints, written by individuals filing on their own. 14,496 of them (15%) got monetary or non-monetary relief from the company. The other 81,356 got “Closed with explanation”: no change.

The cases that did win relief share a visible pattern: statute citations, ordered evidence, specific damages, regulatory framing. That's the work an attorney would put in.

Same agency. Same filer (you). Drafted at attorney-level quality. Better structure tilts the odds toward real relief.