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A consumer filed a federal complaint alleging that a lender violated a disclosure statute. The complaint states the loan date, the disclosure form used, the missing finance-charge box, and the consumer's resulting overpayment. The lender moves to dismiss, arguing that the consumer has not attached all loan documents or proved damages.
Which statement best describes the Rule 12(b)(6) standard?

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The complaint is sufficient only if it pleads facts showing the defendant has no possible affirmative defense. The complaint is insufficient because federal pleading requires each element to be pleaded in a separate numbered count with attached witness declarations. The complaint must be dismissed because a plaintiff must plead detailed evidence sufficient to prove the claim by a preponderance of the evidence. The complaint is sufficient if it contains factual matter, accepted as true, that states a plausible claim for relief; legal conclusions alone are not enough.

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