Fiction comes from the Latin root “FAC” and means something made-up. So non-fiction must be something not made-up, but found.
So if you say “here is some stuff I found in my imagination” it is non-fiction, because it really is stuff you found in your imagination.
If you make sense of what happened to you on the other hand, you’ve made up the sense, so the sense is fiction.
If the characters that talk are real characters then it’s non-fiction, but if they were made up by you, or by the people whose characters they are then its fiction.
If you use words like “fire” and “woman” and “word” to mean physical realities its fiction, but if you bore through to the ultimate pattern these words represent, then its non-fiction.