Methodology

How DisputeIQ turns a plain-English question into cited research

A retrieval-plus-generation pipeline designed so the AI is never the source of truth for official facts — it only explains what the retrieved decisions actually say.

01

Interpret the query

Your natural-language description is turned into semantic concepts and any explicit filters — without inventing a desired outcome.

02

Retrieve broadly

A hybrid search over concise decision summaries pulls a wide candidate set, with your filters applied before ranking.

03

Rerank against your query

Candidates are reranked on factual, product, conduct and reasoning similarity — not just keyword overlap.

04

Deduplicate to decisions

Multiple matching passages are grouped so you get one ranked card per decision, never duplicates.

05

Enrich with authoritative data

Official metadata — reference, date, outcome, business — comes from our database, never from the model.

06

Ground the summary

The overview is generated only from the retrieved decisions, cites references, and states its limitations.

07

Validate every citation

We check that each cited decision and passage really exists before showing you anything.

What the AI is not allowed to do

  • Predict how your complaint would be decided
  • Give legal advice or a recommendation
  • Invent official metadata or outcomes
  • Cite a decision it did not retrieve
DisputeIQ

Semantic research over published dispute decisions. Search in plain language, compare similar cases, and cite the source every time.

Independent service

DisputeIQ is an independent service. It is not affiliated with the Financial Ombudsman Service. Consumers can access the official Ombudsman process without paying for this platform.

This platform identifies published decisions with similar facts or issues. Similarity does not mean the same outcome would apply. Each complaint is assessed on its own circumstances. Generated content is for research only and is not legal advice.

© 2026 DisputeIQ. Not affiliated with the Financial Ombudsman Service.