Could be observed in TG_OverduePayments quest when talking to Trasteve about Dwemer Artifacts.
Info Refusal responses are not specific to any particular topic, so they should not be added to the journal. Trying to do so anyway will cause "unknown id" exceptions because MWDialogue::Entry expects the infoId to be from the Dialogue for the supplied topic.
The progress is not particularly accurate. It simply uses the current / total number of records written/read as indication. Cell records are currently the largest by far, but there is a good chance that could be optimized using a change tracking system.