> ## Documentation Index
> Fetch the complete documentation index at: https://docs.straddle.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Consumer reputation and friendly fraud

> Identify and stop friendly fraud, chargebacks, and ACH returns with consumer reputation and identity data powered by Straddle's consortium network.

## Overview

Straddle Reputation matches provided consumer PII (Personally Identifiable Information) and account information against data collected from diverse institutions across the US, including:

* Fintechs and neobanks
* Traditional banks
* Lenders
* Gaming platforms
* Telcos and more

The service returns crucial risk signals that can associate a consumer identity with past instances of confirmed fraudulent or high-risk activities. Additionally, Straddle Reputation includes a dedicated risk score focused on identifying repeat bad actors.

## About Reputation Risk Signals

Straddle Reputation risk signals are indicators or warnings derived from our extensive consortium data. These signals suggest whether a consumer identity has been involved in past fraudulent or deceitful behavior, particularly concerning first-party fraud.

You can use these risk signals to help predict the likelihood that a consumer might make bad faith disputes or default on payments. This assessment is based on confirmed, fraudulent activities and can be utilized at various stages:

* During the account opening process
* At the point of a transaction
* When handling a disputed transaction

## Use Cases

<AccordionGroup>
  <Accordion title="High-Risk Transactions" defaultOpen icon="radiation">
    Identify consumers who are likely to commit payment fraud based on their past activity for transactions such as ACH, card, check, and loan applications
  </Accordion>

  <Accordion title="Account Opening" icon="user-plus">
    Identify and flag applicants previously linked to fraud schemes or transaction disputes. These individuals can then be routed for manual review or subjected to enhanced scrutiny.
  </Accordion>

  <Accordion title="Transaction Disputes" icon="file-signature">
    Detect signals in consumer behavior that are indicative of patterns of fraudulent chargebacks or payment disputes.
  </Accordion>
</AccordionGroup>

## API Integration

Integrating Straddle Reputation into your systems is straightforward -- it's built in to the existing customer creation flow! The API response provides an additional object with comprehensive overview of the risk assessment.

### API Response Example

Below is an example of the reputation object returned by the Straddle API:

```json theme={null}
{
  "reputation": {
    "decision": "accept",
    "codes": [
      "I1004",
      "R1015",
      "R1023",
      "R1027"
    ],
    "risk_score": 123,
    "insights": {
      "ach_fraud_transactions_count": 123,
      "ach_fraud_transactions_total_amount": 123,
      "ach_fraud_transactions_dates": [
        "2023-12-25"
      ],
      "ach_returned_transactions_count": 123,
      "ach_returned_transactions_total_amount": 123,
      "ach_returned_transactions_dates": [
        "2023-12-25"
      ],
      "card_fraud_transactions_count": 123,
      "card_fraud_transactions_total_amount": 123,
      "card_fraud_transactions_dates": [
        "2023-12-25"
      ],
      "card_disputed_transactions_count": 123,
      "card_disputed_transactions_total_amount": 123,
      "card_disputed_transactions_dates": [
        "2023-12-25"
      ],
      "card_stopped_transactions_count": 123,
      "card_stopped_transactions_dates": [
        "2023-12-25"
      ],
      "accounts_count": 123,
      "accounts_active_count": 123,
      "accounts_closed_count": 123,
      "accounts_closed_dates": [
        "2023-12-25"
      ],
      "accounts_fraud_count": 123,
      "accounts_fraud_loss_total_amount": 123,
      "accounts_fraud_labeled_dates": [
        "2023-12-25"
      ],
      "applications_count": 123,
      "applications_dates": [
        "2023-12-25"
      ],
      "applications_approved_count": 123,
      "applications_declined_count": 123,
      "applications_fraud_count": 123,
      "user_institution_count": 123,
      "user_dob_count": 123,
      "user_mobile_count": 123,
      "user_email_count": 123,
      "user_address_count": 123,
      "user_active_profile_count": 123,
      "user_closed_profile_count": 123
    }
  }
}
```

### Key Fields in the Response

<Accordion title="Response Fields" icon="circle-info" iconType="solid">
  <ResponseField name="decision" type="string">
    A recommended action (e.g., "accept", "review", "reject") based on the risk assessment.
  </ResponseField>

  <ResponseField name="codes" type="array">
    An array of Reputation Codes that provide specific reasons and context for the assessment.
  </ResponseField>

  <ResponseField name="risk_score" type="integer">
    A numerical score indicating the level of risk associated with the identity, particularly for identifying repeat bad actors.
  </ResponseField>

  <ResponseField name="insights" type="object">
    A detailed object containing various data points and metrics used in the risk assessment.
  </ResponseField>
</Accordion>

## Understanding Insights

The insights object within the API response provides a granular breakdown of the data points contributing to the risk assessment. Straddle provides insights into an identity's past behavior, including confirmed fraud and payment defaults.

<AccordionGroup>
  <Accordion title="Transaction History" defaultOpen icon="money-bill-transfer">
    <ResponseField name="ACH Transactions" type="object">
      <Expandable title="details" defaultOpen="true">
        <ResponseField name="ach_fraud_transactions_count" type="integer">
          Number of fraudulent ACH transactions associated with the identity
        </ResponseField>

        <ResponseField name="ach_fraud_transactions_total_amount" type="integer">
          Total amount of fraudulent ACH transactions
        </ResponseField>

        <ResponseField name="ach_fraud_transactions_dates" type="array">
          Dates of fraudulent ACH transactions
        </ResponseField>

        <ResponseField name="ach_returned_transactions_count" type="integer">
          Number of returned ACH transactions
        </ResponseField>

        <ResponseField name="ach_returned_transactions_total_amount" type="integer">
          Total amount of returned ACH transactions
        </ResponseField>
      </Expandable>
    </ResponseField>

    <ResponseField name="Card Transactions" type="object">
      <Expandable title="details">
        <ResponseField name="card_fraud_transactions_count" type="integer">
          Number of fraudulent card transactions
        </ResponseField>

        <ResponseField name="card_fraud_transactions_total_amount" type="integer">
          Total amount of fraudulent card transactions
        </ResponseField>

        <ResponseField name="card_disputed_transactions_count" type="integer">
          Number of disputed card transactions
        </ResponseField>

        <ResponseField name="card_disputed_transactions_total_amount" type="integer">
          Total amount of disputed card transactions
        </ResponseField>

        <ResponseField name="card_stopped_transactions_count" type="integer">
          Number of stopped card transactions
        </ResponseField>
      </Expandable>
    </ResponseField>
  </Accordion>

  <Accordion title="Account History" icon="list-timeline">
    <ResponseField name="accounts_count" type="integer">
      Total number of accounts associated with the identity
    </ResponseField>

    <ResponseField name="accounts_active_count" type="integer">
      Number of active accounts
    </ResponseField>

    <ResponseField name="accounts_closed_count" type="integer">
      Number of closed accounts
    </ResponseField>

    <ResponseField name="accounts_closed_dates" type="array">
      Dates when accounts were closed
    </ResponseField>

    <ResponseField name="accounts_fraud_count" type="integer">
      Number of accounts marked as fraudulent
    </ResponseField>

    <ResponseField name="accounts_fraud_loss_total_amount" type="integer">
      Total loss amount from fraudulent accounts
    </ResponseField>
  </Accordion>

  <Accordion title="Application History" icon="file-lines">
    <ResponseField name="applications_count" type="integer">
      Total number of applications
    </ResponseField>

    <ResponseField name="applications_dates" type="array">
      Dates of applications
    </ResponseField>

    <ResponseField name="applications_approved_count" type="integer">
      Number of approved applications
    </ResponseField>

    <ResponseField name="applications_declined_count" type="integer">
      Number of declined applications
    </ResponseField>

    <ResponseField name="applications_fraud_count" type="integer">
      Number of applications marked as fraudulent
    </ResponseField>
  </Accordion>

  <Accordion title="Identity Tracing" icon="id-card">
    <ResponseField name="user_institution_count" type="integer">
      Number of institutions where the user has been seen
    </ResponseField>

    <ResponseField name="user_dob_count" type="integer">
      Number of different DOBs associated with the identity
    </ResponseField>

    <ResponseField name="user_mobile_count" type="integer">
      Number of mobile numbers associated with the identity
    </ResponseField>

    <ResponseField name="user_email_count" type="integer">
      Number of email addresses associated with the identity
    </ResponseField>

    <ResponseField name="user_address_count" type="integer">
      Number of addresses associated with the identity
    </ResponseField>

    <ResponseField name="user_active_profile_count" type="integer">
      Number of active profiles
    </ResponseField>

    <ResponseField name="user_closed_profile_count" type="integer">
      Number of closed profiles
    </ResponseField>
  </Accordion>
</AccordionGroup>

<Warning>
  These insights allow for a deeper understanding of the factors influencing the risk score and decision, enabling more informed risk management strategies. Always ensure you have proper consent and legal basis for processing this data in accordance with applicable privacy laws.
</Warning>

## Reputation Codes

<Tip>
  The following codes provide detailed information about the findings related to the consumer identity. Use these codes to understand specific risk signals identified by the system.
</Tip>

| Code  | Description                                                                                                                                     |
| :---- | :---------------------------------------------------------------------------------------------------------------------------------------------- |
| I1001 | Identity not found within Consortium Institutions                                                                                               |
| I1002 | National ID was not provided and Straddle was unable to prefill National ID for the given identity                                              |
| I1003 | National ID was not provided and Straddle was able to prefill National ID for the given identity                                                |
| I1004 | Matched identity onto at least 1 other Consortium Institution                                                                                   |
| I1005 | Matched identity onto at least 4 other Consortium Institutions                                                                                  |
| R1001 | Found at least 2 distinct DOBs associated with the given identity                                                                               |
| R1002 | Found at least 4 distinct first names associated with the given identity                                                                        |
| R1003 | Found at least 4 distinct last names associated with the given identity                                                                         |
| R1004 | Found at least 3 distinct phone numbers associated with the given identity                                                                      |
| R1005 | Found at least 3 distinct emails associated with the given identity                                                                             |
| R1006 | Found at least 1 application marked as fraudulent associated with the given identity                                                            |
| R1007 | Found at least 1 application marked as third party fraud associated with the given identity                                                     |
| R1008 | Found at least 2 applications within 30 days of each other associated with the given identity                                                   |
| R1009 | Found at least 2 applications within 90 days of each other associated with the given identity                                                   |
| R1010 | Found at least 1 account marked as fraudulent associated with the given identity                                                                |
| R1011 | Found at least 1 account marked as suspected Third-Party Fraud associated with the given identity                                               |
| R1012 | Found at least 1 account marked as suspected First-Party Fraud associated with the given identity                                               |
| R1013 | Found at least 1 account marked as Other Fraud associated with the given identity                                                               |
| R1014 | Found at least 1 account marked as Delinquency associated with the given identity                                                               |
| R1015 | Found at least 1 closed account associated with the given identity                                                                              |
| R1016 | Found at least 5 closed accounts associated with the given identity                                                                             |
| R1017 | Found at least 2 accounts that were opened within 30 days from each other associated with the given identity                                    |
| R1018 | Found at least 2 accounts that were opened within 90 days from each other associated with the given identity                                    |
| R1019 | Found at least 2 accounts that were closed within 30 days from each other associated with the given identity                                    |
| R1020 | Found at least 2 accounts that were reported as Fraud within 30 days from each other associated with the given identity                         |
| R1021 | Found at least 1 account that has been closed within 30 days from opening associated with the given identity                                    |
| R1022 | Found at least 1 account that has been reported as Fraud within 30 days from opening associated with the given identity                         |
| R1023 | Found at least 1 ACH transaction reported as Fraud associated with the given identity                                                           |
| R1024 | Found at least 1 ACH transaction reported as Suspected Third-Party Fraud associated with the given identity                                     |
| R1025 | Found at least 1 ACH transaction reported as Suspected First-Party Fraud associated with the given identity                                     |
| R1026 | Found at least 1 ACH transaction reported as Other Fraud associated with the given identity                                                     |
| R1027 | Found at least 1 ACH transaction reported as Delinquency associated with the given identity                                                     |
| R1028 | Found at least 10 returned ACH transactions associated with the given identity                                                                  |
| R1029 | Found at least 1 returned ACH transaction with return category Fraudulent Behavior associated with the given identity                           |
| R1030 | Found at least 1 ACH transaction reported as Fraud within 7 days from one another associated with the given identity                            |
| R1031 | Found at least 1 ACH transaction reported as Fraud which was committed within 7 days from account opening associated with the given identity    |
| R1032 | Found at least 1 ACH transaction reported as Fraud which was committed within 30 days from account opening associated with the given identity   |
| R1033 | Found at least 1 Check transaction reported as Fraud associated with the given identity                                                         |
| R1034 | Found at least 1 Check transaction reported as Suspected Third-Party Fraud associated with the given identity                                   |
| R1035 | Found at least 1 Check transaction reported as Suspected First-Party Fraud associated with the given identity                                   |
| R1036 | Found at least 1 Check transaction reported as Other Fraud associated with the given identity                                                   |
| R1037 | Found at least 1 Check transaction reported as Delinquency associated with the given identity                                                   |
| R1038 | Found at least 1 returned Check transaction with a return category Fraudulent Behavior associated with the given identity                       |
| R1039 | Found at least 2 check transactions reported as Fraud within 7 days from one another associated with the given identity                         |
| R1040 | Found at least 2 check transactions reported as Fraud within 30 days from one another associated with the given identity                        |
| R1041 | Found at least 1 Check transaction reported as Fraud which was committed within 7 days from account opening associated with the given identity  |
| R1042 | Found at least 1 Check transaction reported as Fraud which was committed within 30 days from account opening associated with the given identity |
| R1043 | Found at least 10 disputed Card transactions associated with the given identity                                                                 |
| R1044 | Found at least 20 disputed Card transactions associated with the given identity                                                                 |
| R1045 | Found at least 5 Unauthorized disputed Card transactions associated with the given identity                                                     |
| R1046 | Found at least 5 Authorized disputed Card transactions associated with the given identity                                                       |
| R1047 | Found at least 5 Granted disputed Card transactions associated with the given identity                                                          |
| R1048 | Found at least 10 Granted disputed Card transactions associated with the given identity                                                         |
| R1049 | Found at least 2 disputed Card transactions within 1 day from one another associated with the given identity                                    |
| R1050 | Found at least 2 disputed Card transactions within 7 days from one another associated with the given identity                                   |
| R1051 | Found at least 1 disputed Card transaction committed within 1 day from account opening associated with the given identity                       |
| R1052 | Found at least 1 disputed Card transaction committed within 7 days from account opening associated with the given identity                      |
| R1053 | Found at least 7 distinct emails associated with the given fullname and date of birth combination                                               |
| R1054 | Found at least 7 distinct phones associated with the given identity                                                                             |
| R1055 | Matched identity onto at least 17 other transaction consortium institutions                                                                     |
| R1056 | Matched Fullname and date of birth combination onto at least 16 other transaction consortium institutions                                       |
| R1057 | Matched Fullname, date of birth and SSN combination onto at least 10 other transaction consortium institutions                                  |
| R1058 | Found at least 4 distinct emails associated with the given identity                                                                             |
| R1059 | Found at least 3 to 6 distinct emails associated with the given fullname and date of birth combination                                          |
| R1060 | Seen input phone number in at least 13 other transaction consortium institutions                                                                |
| R1061 | Seen input phone number with in at least 4 distinct emails in transaction consortium                                                            |
| R1062 | Found at least 1 fraud event reported for the input identity                                                                                    |