Paresh Shrivastava — Growth marketer who builds AI agents. Built with Claude Code.

You’re opening a disputes segment. Here’s the list.

646 companies scored, 74 ranked by how likely they are to buy this quarter, 2 worth calling today. The most useful part is the 18 I threw out — starting with the one that was my own second-best lead.

Why you

Three things from your own job ads:

So I built what that seat builds in week one. This isn’t a proposal. It’s the output.

109,004complaints read
46months of data
74companies scored
18thrown out, with reasons
$0the data costs nothing

Start with the one I killed

Capital One was my second-best lead

Their share of America’s dispute complaints jumped by a third in one month. Textbook trigger. I’d have called them first.

It was fake.

Capital One bought Discover. From that month, Discover’s complaints stopped being filed under their own name and started being filed under Capital One’s. Nobody’s disputes got worse. The complaints just changed their name tag.

Put the two companies back together and the line is flat.

One company in 646 does this. No statistical test catches it — the numbers it corrupts look perfectly healthy. You only find it if something goes looking.

Another 15 are out because their share is falling — several of them while their raw complaint count goes up. That’s the difference between counting complaints and measuring share. Counting just finds big companies, and you already know who those are.

The list

TierNWhat your rep doesWhat the email may claim
Hot2Call todayShare is rising. An AI tried to kill it and failed.
Warm1Sequence this weekShare is rising. It hasn’t cleared every check.
Watchlist15Check back monthlySomething is moving. Can’t prove it yet.
ICP38Normal cold outreachRight company. No reason to hurry.
DQ18Do not touchOut — and the reason is on the row.

All 74 companies land in exactly one tier with a one-line reason. Nothing disappears quietly. And ICP isn’t the clever part — that is a list anyone could build from the raw data, and it is labelled so the easy half doesn’t take credit for the hard half.

Call these two

Rising share, a second signal that agrees, and they survived an AI whose only job was to kill them. The line under each is what I’d actually send.

Paypal Holdings, Inc
Share of every US dispute complaint: 1.12% → 1.87% · about +78 extra complaints a quarter landing on their desk · survived review (medium) · backed by dispute outcomes
PayPal's share of all CFPB dispute complaints has risen steadily over four years, from about 1.1% to about 2.0% - roughly 75 extra dispute complaints a quarter at today's volumes.
ROBINHOOD MARKETS INC.
Share of every US dispute complaint: 0.08% → 0.59% · about +53 extra complaints a quarter landing on their desk · survived review (medium) · backed by dispute outcomes
In the CFPB's public complaint database, Robinhood's share of all US dispute complaints has risen from 0.086% across Oct 2022 to Dec 2023 to 0.59% across the most recent fifteen months, and has held a band of 0.77% to 0.89% for the six months from March to August 2026 - about 52 extra dispute complaints a quarter at today's national volume.

And one to sequence, not to call

Chime Financial Inc
Share of every US dispute complaint: 3.62% → 6.37% · about +286 extra complaints a quarter landing on their desk · survived review (high) · backed by the trend alone
Chime's share of all CFPB dispute complaints has climbed from 3.6% to 6.4% of the national pool over the past four years, worth roughly 287 extra disputes a quarter at today's volume.

How it works

Americans complain to the regulator about their bank, and the regulator publishes every one with the company named. I read 109,004 of them going back 46 months and asked one question:

Of every dispute complaint filed in America this month — how many have this company’s name on them? And is that number climbing?

Share, not count. The whole pile more than doubled over four years, so “their complaints went up” is true of nearly everyone — that is the tide, not the company. Dividing by the national total each month cancels the tide, and cancels Christmas with it.

PLAIN CODE · NO MODEL · $0Read the public complaint data646 companies · 109,004 complaints · 46 monthsScore the SHARE, not the countthe whole market doubled, so everyone’s count roseDrop mergers, fallers and the too-small12 leftCLAUDE AGENTS · THE ONLY PAID STEPClaude makes the caseDelete its own doubtsA different model attacks5 killedAll 74 placed in a tiera failed gate demotes — never deletes
Code collects and scores for free; Claude only judges what the code hands it. The step in colour is what caught the merger. Watch it run →

The second signal is what happened to each complaint: did they refund the customer, and did they reply late. Nationally both moved the wrong way over the same period, so a company only counts if it moved against the market, not with it.

Every test and threshold is on the workings page, including the parts that argue against me and the one safety check that turned out to be contaminated.

Why you can trust these numbers

One Claude agent writes the best case for each company. A second agent, on a different model, is told to destroy it — and never sees the first one’s own list of doubts, because anyone handed a list of known flaws checks that list and stops looking.

181 recorded tests. The analyst’s own list of doubts got within one step of the merger and stopped. The attacker, shown none of it, scanned every company in the database and found the one that had vanished.

Where this breaks

Where it slots into what you already run

StepWho does it
Find the account, prove the triggerThis. Out comes a CSV with the tier, the trigger, the evidence and the date
Find the humanClay. Waterfall enrichment onto this list. Not worth rebuilding — you already have it
Send itOutreach. Tier maps to sequence, evidence becomes a merge field, so the opener writes itself
Learn from itYours — and it’s the part that makes the scoring get better

How I’d know if it’s working

If this movesIt’s telling you aboutSo you change
Open ratethe subject linethe subject line, and nothing else
Reply rate, Hot vs ICPthe scoringthe account logic
Reply rate inside one tierthe writingthe copy
Meetings bookedwhether the whole idea holdsthe premise

Watch replies, not opens. And the blunt version: if Hot doesn’t beat ICP on reply rate, my scoring is wrong and you should bin it.

What I’d do in month one

A full refresh — re-pull, re-score, rebuild every page — takes about four minutes and costs nothing: the data is public, and the only paid step runs on the handful that survive the free filters.

Fifteen minutes to walk you through the 18 I threw out?

That is the half of this that doesn’t fit on a page — and it’s the half that decides whether a list like this is worth your reps’ time.

Data: CFPB Consumer Complaint Database, public domain, 2022-11 to 2026-08, pulled 3 October 2026. Every number here is read straight out of the pipeline’s own output files, so the page can’t show you something the run didn’t produce.