Finance
26 columns
200 rows
8 formats

Cardholder Dispute Resolution Cases

This dataset provides detailed, synthetic records of cardholder dispute cases, including transaction details, dispute reasons, status progression, and resolution outcomes. It is designed to support the development and validation of fraud detection and compliance models, as well as operational analytics for financial institutions. All sensitive fields are masked or synthetic to ensure privacy while retaining analytical value.

last updated 29 Jul 2025
by GoMask

The brief that made it

Fraud detection model development and validation

Sample rows

preview · 8 of 200 rows · all 26 columns

dispute_idstring	dispute_reason_codestring	transaction_amountfloat	compliance_flagboolean	merchant_category_codestring	cardholder_idstring	card_number_maskedstring	transaction_idstring	transaction_datedatetime	transaction_currencystring	merchant_namestring	dispute_datedatetime	dispute_statusstring	resolution_datedatetime	resolution_outcomestring	fraud_confirmedboolean	case_handler_idstring	cardholder_emailstring	cardholder_phonestring	cardholder_address_streetstring	cardholder_address_citystring	cardholder_address_statestring	cardholder_address_postal_codestring	cardholder_address_countrystring	dispute_descriptionstring	resolution_notesstring
DP0001	DUPLICATE_CHARGE	25.45	false	5812	CH1345	8291	TX100001	2022-02-14T12:34:22Z	USD	Starbucks	2022-02-16T09:20:11Z	RESOLVED	2022-02-20T13:30:00Z	CARDHOLDER_REFUNDED	blank	SYS_AUTO	t****@maskmail.com	*-*-2023	57 Main St	Austin	TX	73301	US	Cardholder noticed two charges for the same coffee order, requesting review.	Duplicate charge confirmed, refund issued to cardholder.
DP0002	MERCHANDISE_NOT_RECEIVED	185.99	false	5732	CH1874	3402	TX100002	2023-06-02T19:18:07Z	USD	Amazon Online	2023-06-05T10:02:21Z	UNDER_REVIEW	blank	blank	blank	HNDL_12	lu****@maskmail.com	*-*-9912	112 Oak Ave	Seattle	WA	98101	US	Cardholder claims the purchased electronics item was never delivered.	blank
DP0003	SERVICE_NOT_PROVIDED	1530	false	4511	CH1992	5829	TX100003	2023-10-15T15:24:33Z	EUR	Lufthansa Airlines	2023-10-18T09:11:02Z	RESOLVED	2023-10-23T13:10:00Z	CARDHOLDER_REFUNDED	blank	HNDL_08	ma****@maskmail.de	*-*-4839	30 Sonnenallee	Berlin	BE	10117	DE	Flight was cancelled, cardholder received no refund from merchant.	Merchant issued refund after documentation.
DP0004	OTHER	12.9	false	4829	CH1632	9201	TX100004	2022-11-04T10:55:01Z	USD	PayPal	2022-11-06T15:45:20Z	CLOSED	2022-11-17T11:00:00Z	NO_ACTION	false	SYS_AUTO	h****@maskmail.com	*-*-6429	200 2nd Ave	New York	NY	10003	US	Unexpected charge appeared after trial period ended.	Charge within agreement terms, case closed.
DP0005	FRAUD	8500	true	5732	CH1457	1192	TX100005	2023-09-09T17:10:54Z	USD	Best Buy	2023-09-10T10:02:11Z	UNDER_REVIEW	blank	blank	true	FRAUD_INVEST	gi****@maskmail.com	*-*-2392	780 Market St	San Francisco	CA	94103	US	Cardholder claims no knowledge of this high-value electronics purchase.	blank
DP0006	DUPLICATE_CHARGE	350.75	false	5411	CH1581	3485	TX100006	2022-04-06T14:08:00Z	GBP	Tesco Superstore	2022-04-07T09:21:33Z	RESOLVED	2022-04-11T12:10:11Z	CARDHOLDER_REFUNDED	blank	SYS_AUTO	br****@maskmail.uk	*-*-9982	72 Deansgate	Manchester	ENG	M3 2RJ	GB	Double charge on grocery purchase, cardholder requests one reversed.	Duplicate charge reversed, refund processed.
DP0007	MERCHANDISE_NOT_RECEIVED	52000	true	5732	CH1203	4709	TX100007	2023-01-05T09:30:05Z	JPY	Yodobashi Camera	2023-01-09T08:50:44Z	UNDER_REVIEW	blank	blank	blank	AMLTEAM	ka****@maskmail.com	*-*-5521	1-8-1 Shinjuku	Tokyo	TK	160-0022	US	Cardholder did not receive electronics purchased in Tokyo.	blank
DP0008	SERVICE_NOT_PROVIDED	119.99	false	4899	CH1295	2607	TX100008	2022-09-02T17:53:15Z	USD	Netflix	2022-09-04T13:45:19Z	OPEN	blank	blank	blank	HNDL_15	f****@maskmail.com	*-*-4851	411 Pine Dr	Phoenix	AZ	85001	US	Streaming service subscription charged but account not activated.	blank
DP0009	FRAUD	50000	true	6051	CH1378	8204	TX100009	2023-11-22T22:12:30Z	BTC	Coinbase Exchange	2023-11-24T11:30:40Z	UNDER_REVIEW	blank	blank	true	AMLTEAM	mi****@maskmail.ee	+372-***-4411	Pikk 11	Tallinn	37	10133	EE	Unauthorized cryptocurrency purchase, cardholder suspects account compromise.	blank
DP0010	DUPLICATE_CHARGE	89.5	false	5814	CH1168	2018	TX100010	2022-07-14T11:11:17Z	CAD	Tim Hortons	2022-07-16T08:52:12Z	RESOLVED	2022-07-20T10:10:00Z	CARDHOLDER_REFUNDED	blank	SYS_AUTO	ca****@maskmail.ca	*-*-2981	284 King St	Toronto	ON	M5V1J2	CA	Cardholder charged twice for coffee and donuts order.	Duplicate charge confirmed, refund processed.
DP0011	SERVICE_NOT_PROVIDED	245	false	5732	CH1234	5942	TX100011	2022-12-25T17:23:19Z	USD	Apple Store	2022-12-27T12:00:45Z	OPEN	blank	blank	blank	HNDL_01	po****@maskmail.com	*-*-1980	4 Tech Way	Cupertino	CA	95014	US	Software purchased did not download, merchant not responding.	blank
DP0012	SERVICE_NOT_PROVIDED	59.99	false	5812	CH1248	8175	TX100012	2022-03-20T14:15:10Z	USD	Uber Eats	2022-03-21T10:08:21Z	RESOLVED	2022-03-25T13:30:00Z	CARDHOLDER_REFUNDED	blank	HNDL_07	am****@maskmail.com	*-*-8931	18 Elm St	Chicago	IL	60610	US	Food never delivered, merchant not answering calls.	Merchant confirmed missing delivery, refund processed.
DP0013	DUPLICATE_CHARGE	102.4	false	5912	CH1510	6748	TX100013	2022-08-10T09:44:37Z	GBP	Boots Pharmacy	2022-08-11T13:12:02Z	RESOLVED	2022-08-15T11:10:31Z	CARDHOLDER_REFUNDED	blank	SYS_AUTO	ha****@maskmail.uk	*-*-9876	105 Market Rd	London	ENG	EC1A9HY	GB	Same prescription charged twice, cardholder requests correction.	Duplicate transaction reversed.
DP0014	FRAUD	4500	true	4511	CH1823	5093	TX100014	2023-07-23T15:02:12Z	USD	Delta Airlines	2023-07-25T11:23:30Z	UNDER_REVIEW	blank	blank	true	FRAUD_INVEST	fa****@maskmail.com	*-*-9921	12 Peachtree St	Atlanta	GA	30303	US	Cardholder reports airline ticket bought without their knowledge.	blank
DP0015	OTHER	13.2	false	5411	CH1605	1120	TX100015	2022-10-18T18:22:09Z	USD	Kroger	2022-10-19T12:15:03Z	CLOSED	2022-10-28T10:00:00Z	NO_ACTION	false	SYS_AUTO	so****@maskmail.com	*-*-6732	1900 Broadway	Nashville	TN	37203	US	Small charge appeared after promotional offer expired.	Charge in line with offer terms, case closed.
DP0016	DUPLICATE_CHARGE	112.5	false	5411	CH1778	3385	TX100016	2023-03-31T16:28:06Z	USD	Walmart	2023-04-01T13:00:00Z	RESOLVED	2023-04-06T10:00:00Z	CARDHOLDER_REFUNDED	blank	SYS_AUTO	je****@maskmail.com	*-*-3902	3011 S Main	Houston	TX	77002	US	Two charges for same grocery visit, cardholder requests correction.	Duplicate charge confirmed and reversed.
DP0017	UNAUTHORIZED_TRANSACTION	2499.99	false	5732	CH1356	6892	TX100017	2024-01-23T12:28:41Z	USD	Apple Store	2024-01-25T10:46:14Z	UNDER_REVIEW	blank	blank	false	HNDL_06	cl****@maskmail.com	*-*-4872	1202 North Rd	Dallas	TX	75201	US	Cardholder reports purchase of phone they did not authorize.	blank
DP0018	MERCHANDISE_NOT_RECEIVED	700	false	5732	CH1741	8129	TX100018	2023-02-18T20:15:03Z	EUR	MediaMarkt	2023-02-20T09:15:45Z	OPEN	blank	blank	blank	HNDL_11	la****@maskmail.de	*-*-1283	42 Hauptstrasse	Frankfurt	HE	60311	DE	TV ordered during Black Friday never delivered, merchant not responsive.	blank
DP0019	MERCHANDISE_NOT_RECEIVED	119	false	5651	CH1312	2205	TX100019	2023-05-10T12:11:16Z	CAD	Hudson's Bay	2023-05-12T09:20:08Z	UNDER_REVIEW	blank	blank	blank	HNDL_10	ol****@maskmail.ca	*-*-8827	345 Bloor St	Toronto	ON	M4W3J6	CA	Cardholder claims clothing order was never shipped.	blank
DP0020	OTHER	15.89	false	5814	CH1478	4720	TX100020	2023-12-12T21:25:42Z	USD	McDonald's	2023-12-13T08:22:12Z	OPEN	blank	blank	blank	HNDL_09	mo****@maskmail.com	*-*-1287	500 S Clark	Chicago	IL	60605	US	App charged cardholder, but order not fulfilled at the restaurant.	blank

What the 200 rows show

from the 200-row sample

FRAUD (dispute reason code) stands out: 35 of its 35 rows have compliance_flag = true, against 19 of 165 for the rest.

27%compliance_flag = true
115.5median transaction_amount
3resolution outcomes
4dispute statuses
6transaction currencies
6cardholder address countries

Compliance flag rate by dispute_reason_codecompliance_flag = true

transaction_amount200 rows, in bands of 10k

Median 115.5, from 0.01 to 52,500.

merchant_category_code189 rows with a value · 11 left blank

573227
581225
541118
605117
451116
581416
799511
48999
78327
48296

26 columns by typefrom the column list below

string 20
float 1
datetime 3
boolean 2

Columns

26 columns in four groups

blueprint · 26 columns
column	type	description	example
Text 20 columns
`dispute_id`	string	Unique identifier for each cardholder dispute caseunique	DP0001
`cardholder_id`	string	Unique identifier for the cardholder raising the dispute	CH1345
`card_number_masked`	string	Masked card number (e.g., last 4 digits) associated with the dispute	8291
`transaction_id`	string	Unique identifier for the disputed transaction	TX100001
`transaction_currency`	string	ISO 4217 currency code of the disputed transaction6 currencies	USD
`merchant_name`	string	Name of the merchant where the transaction took place	Starbucks
`merchant_category_code`	string	Merchant Category Code (MCC) for the merchantoptional	5812
`dispute_reason_code`	string	Code representing the reason for the dispute (e.g., FRAUD, SERVICE_NOT_PROVIDED, DUPLICATE_CHARGE)6 values	DUPLICATE_CHARGE
`dispute_description`	string	Detailed description of the dispute provided by the cardholderoptional	Cardholder noticed two ch…
`dispute_status`	string	Current status of the dispute caseOPEN · UNDER_REVIEW · RESOLVED · REJECTED · CLOSED	RESOLVED
`resolution_outcome`	string	Outcome of the dispute resolution process5 values · optional	CARDHOLDER_REFUNDED
`resolution_notes`	string	Additional notes or comments regarding the resolutionoptional	Duplicate charge confirme…
`case_handler_id`	string	Identifier for the staff member or system handling the disputeoptional	SYS_AUTO
`cardholder_email`	string	Email address of the cardholder (masked or synthetic for privacy)optional	t****@maskmail.com
`cardholder_phone`	string	Phone number of the cardholder (masked or synthetic for privacy)optional	*-*-2023
`cardholder_address_street`	string	Street address of the cardholder (masked or synthetic for privacy)optional	57 Main St
`cardholder_address_city`	string	City of the cardholder's addressoptional	Austin
`cardholder_address_state`	string	State or province of the cardholder's addressoptional	TX
`cardholder_address_postal_code`	string	Postal code of the cardholder's addressoptional	73301
`cardholder_address_country`	string	Country of the cardholder's address (ISO 3166-1 alpha-2 code)6 countries · optional	US
Numbers 1 column
`transaction_amount`	float	Amount of the disputed transaction0.01 or more	25.45
Dates and times 3 columns
`transaction_date`	datetime	Date and time when the disputed transaction occurred	2022-02-14T12:34:22Z
`dispute_date`	datetime	Date and time when the dispute was filed	2022-02-16T09:20:11Z
`resolution_date`	datetime	Date and time when the dispute was resolved or closedoptional	2022-02-20T13:30:00Z
True or false 2 columns
`fraud_confirmed`	boolean	Indicates whether the dispute was confirmed as fraudoptional	false
`compliance_flag`	boolean	Indicates if the case triggered compliance reviewoptional	false

Use it for

A finance dashboard
The compliance_flag rate, transaction_amount by dispute_reason_code and a breakdown of merchant_category_code. Excel, Power BI or Tableau.
Why do 54 of 200 rows have compliance_flag = true?
A root-cause class exercise
Hand out the rows and one question. The answer is in the data, not in the brief.
Disputes200
DP000125.45DUPLICAT…
DP00058500FRAUD
DP000752000MERCHAND…
A software demo
Believable disputes with cardholder_id, card_number_masked and transaction_id to fill a screen in front of a buyer.

This dataset200 rows26 columns

Yours1,000 rows26 columnscardholder_address_street: UK only

blueprint · cardholder-dispute-resolution-cases

Behind this dataset

Same schema. As many rows as you need.

These 200 rows came out of a blueprint — 26 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with

Include dispute type and outcome
Log case duration in days
Flag unresolved or escalated cases
Omit personal card details

Rows1,000 rows10,000 rows100,000 rows1,000,000 rows

Open the blueprint in Data Factory

1 credit per row. Preview 20 rows free. Buy rows for the full run.

Exports: CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence: yours to use, including commercially
API slug: cardholder-dispute-resolution-cases

What should your data show?

No signup. No card.

Sample rows

What the 200 rows show

Columns

Use it for

A finance dashboard

A root-cause class exercise

A software demo

Make it yours.

Same schema. As many rows as you need.

More in Finance

What should your data show?