misatadata/us-bank-transactions

US Bank and Card Transactions (preview)

Synthetic data, with real company names. Every customer, account, card, balance and transaction here was made by a simulation; none of it comes from or describes a real person or a real account. Real banks, card issuers, merchants, billers and employers are named because real statement lines name them: the names are labels only. None of these companies supplied, reviewed or endorses this data, and nothing in it describes their customers, volumes, fees or fraud. How each bank words a statement line is rebuilt from published examples and may differ from its statements today.

100 households' checking, savings and credit card accounts over two years (October 2024 to September 2026): every posted transaction written the way Chase, Bank of America, Wells Fargo, Citi or Capital One prints it, every card authorization with its ISO response code, monthly statements, recurring streams, overdrafts, returned items, disputes and fraud cases, with the clean merchant, category, recurring stream and fraud case beside each raw line.

This is the free preview: 100 customers and every row that belongs to them, 284,091 rows in 14 tables. The full dataset (2,500 households, 7.6 million rows), the audit behind it and the sources of every figure are at misata.studio.

Statement lines as each bank prints them

One line of each kind from each bank's checking accounts, taken from the full dataset:

	Chase	Bank of America	Wells Fargo	Citi	Capital One
Card purchase in a store	Card Purchase 05/15 Bjs Fuel #0116 Yonkers NY Card 3173	PURCHASE 1206 STOP & SHOP 2502 BOSTON MA	Purchase authorized on 01/02 STARBUCKS 15489 FORT LAUDERDA FL S857408355433621 Card 7315	Debit Card Purchase 8:00a #4322 MACYS CLEVELAND CLEVELAND OH	Debit Card Purchase - MCDONALD'S F36472 BUFFALO NY
Card purchase online	Recurring Card Purchase 05/08 Apple.Com/Bill 866-712-7753 CA Card 5493	CHECKCARD 0202 UBER *TRIP HELP.UBER.COM CA 25923273181631516699791	Purchase authorized on 06/14 STARBUCKS 800-782-7282 SEATTLE WA S417211376854192 Card 5738	Debit Card Purchase 6:38p #4322 AMAZON MKTPL*MMH3GBNV3 Amzn.com/bill WA	Debit Card Purchase - CHEWY.COM CHEWY.COM FL
Pay by direct deposit	Rivera Manufactu Payroll 7135368 PPD ID: 1378471185	REYNOLDS INDUSTR DES:DIR DEP ID:766115267 INDN:MARGARET REYNOLDS CO ID:1342788766 PPD	COUNTY OF FORT W DIRECT DEP 250314 349042204 FRANCISCO GARCIA	ACH Electronic Credit FONTANA PLASTICS PAYROLL 8100	Deposit from WASHINGTON DISTR PAYROLL
Social Security	Ssa Treas 310 Xxsoc Sec 480767744A PPD ID: 1424688467	SSA TREAS 310 DES:XXSOC SEC ID:919344445A INDN:THOMAS HERNANDEZ CO ID:1424688467 PPD	SSA TREAS 310 XXSOC SEC 250813 735351377A MICHAEL HAWKINS	ACH Electronic Credit SSA TREAS 310 XXSOC SEC 851A	Deposit from SSA TREAS 310 XXSOC SEC
A biller's ACH debit	National Grid Utility 44690664531 PPD ID: 1045796747	CITY OF EUCLID DES:UTILITIES ID:92381161926 INDN:MICHELLE CRUZ CO ID:1918626212 PPD	T-MOBILE PCS SVC 251103 5485348097 JOSHUA PETERS	ACH Electronic Debit FIRSTENERGY WEB PMTS 7191	Withdrawal from VZ WIRELESS VE VZW WEBPAY
Credit card bill paid from checking	American Express Ach Pmt 48529869 PPD ID: 1504848512	DISCOVER DES:E-PAYMENT ID:6665912 INDN:MARY TRAN CO ID:6176498172 WEB	DISCOVER E-PAYMENT 260827 437537993 FRANCISCO GARCIA	ACH Electronic Debit AMERICAN EXPRESS ACH PMT 8708	Withdrawal from BANK OF AMERICA ONLINE PMT
Zelle sent	Zelle Payment To Ava Phillips Jpmoctkhkh4q	Zelle Transfer Conf# a5kng2i06; Jacob Mendoza	Zelle to Carlos Martinez on 12/25 Ref # Rp0Sytpfk5Y	Zelle Debit PAY ID:MYSNU29KN8CS ORG ID:CTI NAME:MARGARET HERRERA	Zelle money sent to KEVIN RUSSELL
ATM withdrawal	ATM Withdrawal 08/22 4062 Elm St Chicago IL Card 9968	ATM WITHDRAWAL 07/01 #356105026 WITHDRWL 1545 MAIN ST KNOXVILLE TN	ATM Withdrawal authorized on 08/02 6389 HWY 6 SAN ANTONIO TX 5879424 ATM ID EPHZ Card 3626	ATM Withdrawal 5212 ELM ST EL CAJON CA #7257	ATM Withdrawal - 8729 PARK AVE KENOSHA WI
Check paid	Check 3883	Check 1192	Check 3852	Check # 3702	Check #1955
Overdraft fee	Insufficient Funds Fee	OVERDRAFT ITEM FEE FOR ACTIVITY OF 12-08 POSTING DATE 12-08-25	Overdraft Fee for a Transaction Posted on 09/02

And on credit cards, by issuer:

	Chase	American Express	Citi	Capital One	Bank of America	Wells Fargo	Discover
Purchase	STARBUCKS 10328 KATY TX	SUBWAY 21232 ORLAND PARK IL	WILD BLOOM FLORIST FRISCO TX	POPEYES #2106 TOMS RIVER NJ	DOMINO'S 1111 RENTON WA	SALON BISON WOODBURY MN	SQ *OLIVE COFFEE ROASTER CHANDLER AZ
Payment received	Payment Thank You - Web	ONLINE PAYMENT - THANK YOU	ONLINE PAYMENT, THANK YOU	CAPITAL ONE MOBILE PYMT	PAYMENT - THANK YOU	AUTOMATIC PAYMENT - THANK YOU	INTERNET PAYMENT - THANK YOU
Interest charged	PURCHASE INTEREST CHARGE	Interest Charge on Pay Over Time Purchases	PURCHASE INTEREST CHARGE	PURCHASE INTEREST CHARGE	PURCHASE INTEREST CHARGE	PURCHASE INTEREST CHARGE	INTEREST CHARGE ON PURCHASES

Tables

Table	Rows
transactions	148,936
authorizations	113,486
customers	100
accounts	329
cards	449
statements	6,769
recurring_streams	1,466
overdrafts	467
returned_items	458
charge_offs	7
disputes	387
fraud_cases	67
merchants	11,022
brands	148

us-bank-transactions-preview.zip holds the same rows as CSV, with the README, the data dictionary and the sources.

from datasets import load_dataset

tx = load_dataset("misatadata/us-bank-transactions", "transactions", split="train")

Where the formats come from

• Card lines carry what the card network carries: a 25-character merchant name, a 13-character city or a phone number or web address for a merchant online, and the state. Each bank wraps it in its own words, the date and the card's last four digits.
• ACH lines carry the originator's Company Name (16 characters), Company Entry Description (10), the receiver's name and id, and the Company ID, as the Nacha Operating Rules lay them out. From 20 March 2026 Nacha requires PAYROLL on payroll credits and PURCHASE on consumer online debits, and the lines change that day.
• Chase and Bank of America: the wrappers for card purchases, ACH, Zelle, bill pay, ATM and deposits follow published statements. Wells Fargo, Citi and Capital One follow statement snippets and secondary write-ups, so their wording is less certain. Fee and interest wording at every bank is partly inferred.
• Merchants: of 148 brands, 110 have descriptors observed in a published card feed or on the merchant's own page, 23 come from secondary sources and 15 are inferred from the brand's usual form (descriptor_evidence in brands.csv and merchants.csv). Phone numbers and web addresses in card lines are the ones the merchants publish in their own descriptors.
• Dated changes: a line takes the form in force on its date. Amazon's lines move from AMZN Mktp US* to Amazon.com* and AMAZON MKTPL* by February 2025; Max bills as HBOMAX.COM from 9 July 2025; Target's store lines read TARGET T- from 11 May 2026; Lyft's ride lines carry the date from 17 April 2026; Rite Aid's last stores closed on 3 October 2025 and Big Lots' were shut from February to mid-April 2025. Subscription prices change on the day each change reached existing subscribers.

Things to know

• Everything is synthetic. Names may match a real person's by chance; such a match means nothing. Emails are on the reserved .example domain (gmail.example), so none reaches a real inbox. Card numbers are kept as the last four digits and the network; account masks, ACH company ids, reference and confirmation numbers are made up.
• Real company names are labels only, used because statement lines carry them. No bank, issuer, network, merchant, biller or employer supplied, reviewed or endorses this data, and none of the figures describe them. Trademarks belong to their owners.
• The view is an aggregator's: each customer's checking and savings at one bank and their credit cards at up to seven issuers. Loans, mortgages and brokerage accounts appear only as the payments and transfers that reach these accounts.
• amount is from the holder's side: negative takes money out (a purchase, a bill, a fee), positive brings it in (pay, a refund, a transfer). On a credit card account a purchase is negative, a payment positive, and balance_after is what is owed.
• transaction_date is when the card was used, the check written or the ACH entry took effect; posted_date is when it reached the account. Times (authorized_at) are on the customer's home clock (customers.tz), to the second.
• Read codes and ids as text: response_code (00, 51), mcc, zip, account_mask, last4 and check_number keep their leading zeros that way.
• Wells Fargo, Citi and Capital One statement wording rests on fewer published examples than Chase's and Bank of America's; fee and interest wording is partly inferred at every bank.
• The overdraft rules are each bank's published terms in the window. Citi and Capital One charge no overdraft fees; Bank of America charges $10 with no debit card overdraft coverage. The share of accounts opted in to cover debit card purchases is an assumption, as no bank publishes it.
• 2,500 households cannot carry every rare event: a brand, a biller or a fraud pattern may appear only a few times.

Licence

The preview is CC BY 4.0: credit "US Bank and Card Transactions preview, Misata (misata.studio), CC BY 4.0". The company names in it are their owners' trademarks; they are labels only, and Misata is not affiliated with any of them.