Datasets:

Addyk24
/

Pre-Delinquency-dataset

Dataset card Data Studio Files Files and versions

Split (2)

train · 20k rows

Salary_Drift_Capped_max float64	Credit_Score_last float64	Liquidity_Ratio float64	Savings_Burn_Rate float64	Budget_Pressure float64	Discretionary_Ratio float64	EMI_Stress_Count int64	Cognitive_Load_Score_mean float64	P_2 float64	B_37 float64	B_25 float64	B_30 float64	D_4 float64	D_42 float64	D_52 float64	S_24 float64	S_4 float64	is_at_risk int64	User_ID large_string	Stress_Acceleration float64	Debt_Service_Coverage float64	Discretionary_Stress float64	Payment_Risk_Composite float64	Savings_Depletion_Velocity float64	Credit_Stress_Multiplier float64	Recovery_Capacity float64	AMEX_Risk_Trend float64	Budget_Salary_Interaction float64	Cognitive_Stress_Compound float64
0	850	4.010727	0.418643	1.937999	0.372491	0	8.239952	0.915219	0.005118	0.493108	0.024614	0.140761	0.060728	0.200143	0.008181	0.031	0	U_SYN_7959	0.561846	1.967973	1.216111	0	0.101842	0	0.868525	0.094359	0	4.629584
0	675.535703	1.435563	0.371548	0.624151	0.469653	1	7.987395	0.888506	0.002169	0.262567	0.037745	0.304572	0.183138	0.394809	0.008645	0.687924	0	U_SYN_14516	0.36654	1.982408	0.331017	1	0.241962	0.116269	0.423712	0.190911	0	2.9277
1.17729	683.339581	8.231026	0	0.892115	0.34934	1	2.471173	0.750995	0.010544	0.069543	0.239057	0	0	1	-0.007755	0.159842	1	USER_009564	0.034982	12.340477	0.268811	2.005004	0.704779	0.0106	26.777996	1.381847	0.367094	9.569916
0	656.947812	1.040265	0.848388	1.746937	0.289932	4	10	1	0.001145	0.217774	0.063972	0.822374	0.611654	0.644874	0.003523	0.126531	1	U_SYN_3535	0.779302	0.563238	1.240445	4	0.744027	0.273538	0.045727	0.430208	0	7.793016
1.40352	600.141704	5.490457	0.304945	0.92957	0.366967	1	3.674794	0.437999	0.234532	0.994137	0.398792	2	0	0	0.045826	0.245175	0	USER_008437	0.37456	5.986597	0.052974	5.088812	1.845693	0.170158	17.37819	-0.505406	0.391353	8.043885
8.48324	710.638867	8.18434	0	0.570695	0.211408	2	2.154639	0.99063	0.01659	0.878562	0.291573	1	0	0	0.323147	0.083622	0	USER_009757	0.065743	12.785776	0.023205	3.686517	2.3311	0.016658	32.270529	-0.755997	0.900316	9.367619
3.495141	630.631846	6.587793	0.179069	0.791431	0.265424	1	1.082529	0.550156	0.317423	0.229992	0.330699	0	0	0	0.025926	0.472599	0	USER_007164	0.176104	8.762071	0.026986	2.576382	1.075408	0.070239	24.196174	0.664456	0.677194	1.706929
9.714639	540.343951	5.022653	0.255273	0.70794	0.280008	0	3.572126	0.516674	0.241794	0.225563	0.235722	0	0	1	0.049352	0.250903	1	USER_002205	0.07679	4.739271	0.566666	0.8747	0.947858	0.043234	18.081352	-0.155075	0.810966	0.760223
0.174946	546.842805	6.031752	0.10115	0.993159	0.34339	2	3.521405	0.419678	0.164045	0.7996	0.222333	0	0	0	-0.068236	0.488906	0	USER_008103	0.06781	6.191894	0.262651	3.957938	3.681258	0.037377	19.80254	1.627216	0.812803	1.645377
7	570.763074	2.294255	0.367433	1.379166	0.268887	1	6.560607	0.606986	0.002791	0.319982	0.000038	0.291496	0.19489	0.134112	0.00284	0.310417	0	U_SYN_13611	0.609597	1.551046	1.008326	3	0.153465	0.309494	0.390228	0.303121	0.643611	3.999324
10.900703	438.419777	1.96509	0.613285	0.750022	0.471133	2	6.564013	0.211365	0.387364	0.459159	0.381883	2	0	2	0.035311	0.89989	1	USER_005336	0.431974	0.500842	0.893964	7.61582	3.470015	0.323258	5.196356	-1.074054	0.157923	5.069168
0.086093	463.089231	2.707969	0.050875	0.998811	0.605836	1	3.815551	0.265613	0.465463	0.68663	0.023556	0	0	3	0.079021	0.252546	1	USER_000994	0.1047	2.485097	0.80037	2.065838	2.516835	0.073654	5.336919	-1.521815	0.010043	6.748067
6.891453	521.982054	1.978767	0.145716	0.70284	0.421507	3	4.776722	0.293915	0.083638	0.570398	0.18218	1	0	1	0.054498	0.559153	1	USER_009083	0.258662	1.682855	0.909936	4.275916	0.995014	0.154265	5.723514	0.159917	0.941923	9.905542
0	731.698514	1.783916	0.040938	0.864509	0.349349	3	6.146375	0.92457	0.006011	0.205266	0.008954	0.62505	0.450042	0.619297	0.004182	0.567746	0	U_SYN_10889	0.291345	1.849559	0.562493	3	0.02173	0.062666	0.597697	0.3527	0	1.790715
0	593.213685	2.955097	0.277956	1.074991	0.374851	0	7.028587	0.878511	0.006498	0.39126	0.06381	0.00285	0.04273	0.189681	0.007168	0.462504	0	U_SYN_12018	0.363849	2.514995	0.67203	0	0.090981	0.169876	0.799823	0.06227	0	2.557347
2	636.102727	7.968302	0.456687	0.476394	0.470855	0	5.630683	0.933931	0.009507	0.857843	0.087656	0.117796	0.093821	0.243965	0.00907	0.761803	0	U_SYN_7645	0.297073	13.82439	0.252082	0	0.056603	0.115533	2.038466	0.089913	0.063519	1.672725
0	575.70121	1.525985	0.584662	2.070593	0.265429	0	9.144042	0.926552	0.006204	0.205612	0.083366	0.100321	0.017472	0.092544	0.004368	0	0	U_SYN_14116	0.71252	0.703027	1.520997	0	0.359574	0.355351	0.168229	0.064717	0	6.51531
0	544.912455	6.853976	0.36842	0.5488	0.627679	0	7.562821	1	0.008074	0.878849	0.054411	0.038364	0.072865	0.214784	0.011201	0.7256	0	U_SYN_14708	0.249047	10.564077	0.20433	0	0.05298	0.138147	2.717116	0.033369	0	1.883495
5	559.430441	0.888577	0.465038	0.830188	0.467386	0	8.261447	0.716483	0.002459	0.151128	0.093694	0.023329	0.048224	0.257164	0.009402	0.584906	0	U_SYN_9589	0.60786	0.955265	0.44217	0	0.470412	0.321138	0.222174	0.134873	0.276729	5.021805
1.580299	526.202158	4.830647	0.229036	0.915425	0.441758	2	4.009262	0.504851	0.515558	0.65763	0.483787	3	0	0	0.196696	0.37125	1	USER_005726	0.133895	3.95431	0.10521	6.714793	2.038147	0.078827	13.483339	-2.295024	0.079768	7.777529
0	668.933404	1.652596	0.370188	0.37416	0.435941	1	6.27437	0.883796	0.00113	0.326167	0.024732	0.255857	0.21362	0.150095	0.009106	0.81292	0	U_SYN_2833	0.300005	3.485312	0.211049	1	0.211223	0.098765	0.453738	0.187325	0	1.882341
0.043093	615.714418	1.109136	0.736214	0.883523	0.222747	2	9.475248	0.50638	0.092473	0.030502	0.010569	2	0	1	0.295873	0.291155	1	USER_007020	0.677111	0.730657	0.569941	6.101062	0.09898	0.288432	4.310397	-0.293877	0.176769	7.349973
0.423017	687.074214	8.492843	0	0.592525	0.13767	0	1.341408	0.962125	0.110741	0.561198	0.380893	1	0	0	0.061756	0.289097	0	USER_008851	-0.026922	14.070615	0.97442	0.19547	0.041427	-0.007975	36.618185	0.714161	0.01246	0.822496
2	536.006873	3.380168	0.107114	1.073493	0.36316	0	6.667659	0.9695	0.007914	0.44567	0.044615	0.047654	0.022274	0.261556	0.004807	0.463253	0	U_SYN_9979	0.344301	2.880433	0.683643	0	0.030779	0.196561	1.096055	0.033178	0.143132	2.295685
2	703.212399	0.74507	0.604324	0.811486	0.341111	1	7.169591	1	0.000998	0.229136	0.085118	0.188421	0.170817	0.317542	0.004218	0.594257	0	U_SYN_14549	0.620261	0.817423	0.53468	1	0.715117	0.165539	0.100562	0.107771	0.108198	4.447021
0	594.954813	1.75714	0.677418	0.454955	0.503193	2	8.985905	0.993349	0.007696	0.247192	0.07838	0.398888	0.294456	0.2771	0.005226	0.772523	0	U_SYN_4095	0.401909	3.166276	0.226025	2	0.364764	0.186373	0.28522	0.210664	0	3.611515
1.649515	496.325024	5.441987	0.176663	0.679249	0.51356	3	4.460648	0.408398	0.281487	0.069588	0.180266	0	0	1	0.023034	0.538043	1	USER_002573	-0.016889	4.290953	0.329737	5.416435	1.642955	-0.01086	13.236006	0.109948	0.274508	0.928613
0	846.110429	7.859773	0.157377	0.092167	0.745667	0	6.326958	1	0.000658	0.845226	0.036615	0.092469	0.02195	0.184465	0.009938	0.953916	0	U_SYN_3990	0.090773	40.900671	0.023441	0	0.019772	0.000642	4.938421	0.034326	0	0.574316
2	618.12611	0.66324	0.717851	0.943925	0.539659	4	8.768138	0.899513	0.005255	0.175341	0.004511	0.749869	0.592624	0.502899	0.010262	0.528037	0	U_SYN_8060	0.706181	0.635333	0.434528	4	0.94053	0.297718	0.100988	0.442943	0.125857	6.191892
2	477.744517	3.034664	0.573993	0.768744	0.535798	0	7.554372	0.886758	0.00985	0.455197	0.098506	0.116203	0.057116	0.061078	0.007746	0.615628	0	U_SYN_10565	0.429749	3.493161	0.356853	0	0.183111	0.290866	0.692673	0.097292	0.102499	3.246487
2.552907	563.749975	5.229103	0.292441	0.811101	0.541895	0	2.777164	0.607652	0.294782	0.207189	0.096299	0	0	0	-0.059824	0.68175	0	USER_006613	0.186467	4.541979	0.171255	1.864437	0.249146	0.097047	11.977387	-0.933148	0.461543	5.388515
1.323511	799.393584	9.543506	0	0.766722	0.174355	1	-1.440597	0.987329	0.087387	0.26916	0.174291	0	0	0	0.034184	0.042202	0	USER_001016	-0.012942	17.968985	0.646865	2.370767	0.403476	-0.001191	39.397745	-0.394138	0.235672	3.69604
0.623377	705.345457	9.074374	0	0.666069	0.341946	0	1.931204	1	0.1587	0.814907	0.088202	2	0	1	-0.127962	0.560334	0	USER_005395	0.055285	14.907384	0.923079	0.661346	2.156692	0.01454	29.857118	0.801906	0.123788	8.049719
4.583672	572.088448	6.261572	0.226585	0.858605	0.376441	2	3.706551	0.605723	0.096057	0.223529	0.310843	0	0	2	0.199363	0.010243	1	USER_007153	0.217901	7.882005	0.236972	3.231985	0.680114	0.110104	19.522292	-0.329671	0.639406	3.018165
2	708.651222	5.034121	0.243237	0.365328	0.650045	0	5.888813	0.729324	0.009053	0.577187	0.097962	0.007473	0.059421	0.104314	0.010081	0.817336	0	U_SYN_14799	0.224992	10.818448	0.127848	0	0.047377	0.057822	2.476434	0.128338	0.04871	1.324934
0	662.540868	9.389754	0.471062	1.099019	0.56871	0	7.132684	1	0.007672	1.053647	0.077914	0.006455	0.069495	0.270148	0.010359	0.45049	0	U_SYN_2785	0.382198	7.831194	0.473996	0	0.049639	0.130266	2.824553	0.022785	0	2.726096
0.480667	605.397781	0	0.605265	0.7964	0.260902	2	6.587487	0.617342	0.057913	0.535521	0.247999	3	0	1	0.090142	0.168795	1	USER_006536	0.593974	-1.106766	0.769781	4.88083	2.317258	0.264159	0	1.121138	0.884731	1.629652
2	599.305131	5.331545	0.170571	1.261217	0.232165	0	6.409334	0.796433	0.004123	0.661729	0.057735	0.012672	0.0249	0.240424	0.006188	0.369391	0	U_SYN_10771	0.380237	3.916748	0.968407	0	0.031404	0.173315	1.026664	0.092699	0.168162	2.437063
0	609.446731	10	0.223	1.415535	0.161455	0	10	1	0.000695	1.11637	0.028047	0.166741	0.033233	0.257333	0.003465	0.292233	0	U_SYN_10686	0.369809	6.59833	1.18699	0	0.022079	0.161743	1.254502	0.059992	0	3.69809
0	536.121706	2.136993	0.220639	0.988546	0.569535	0	9.901062	0.945421	0.009295	0.252035	0.004179	0.184908	0.06261	0.070065	0.008731	0.505727	0	U_SYN_3880	0.353307	1.963163	0.425534	0	0.098632	0.201628	0.948555	0.096087	0	3.49811
1.106652	648.352702	6.424671	0.232611	0.786612	0.362316	1	3.485511	0.639192	0.100357	0.449063	0.350037	0	0	1	0.05416	0.51571	1	USER_005359	0.181574	8.807896	0.873447	3.213623	2.96877	0.066571	20.484557	-0.717057	0.519754	2.869839
1.188864	629.049446	6.468477	0.26139	0.616103	0.234426	3	0.576954	0.505256	0.188072	0.182091	0.005278	0	0	0	-0.090189	0.279737	1	USER_007696	0.17702	8.876568	0.452999	5.27794	1.172414	0.071114	24.760499	0.69608	0.478674	1.248088
3.877873	529.615802	4.857638	0.335306	0.622207	0.439587	2	4.807384	0.407418	0.323984	0.67984	0.41503	0	0	1	0.137923	0.216722	1	USER_005730	0.268859	4.641337	0.715938	2.671448	0.406502	0.156615	13.611408	-0.708076	0.275083	0.883624
12.741147	497.913447	3.903674	0.265163	0.841068	0.674136	1	2.914751	0.508583	0.238305	0.670618	0.403117	1	0	2	-0.079868	0.260408	1	USER_004398	0.151818	3.211523	0.603687	2.17827	0.85346	0.097187	6.360335	0.169472	0.269074	9.214888
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2	658.688514	4.282276	0.201466	0.194745	0.467287	0	6.436289	1	0.009398	0.54923	0.095345	0.072784	0.040492	0.288733	0.008511	0.902628	0	U_SYN_10024	0.185027	14.528758	0.103743	0	0.045973	0.06436	1.59791	0.033983	0.025966	1.190888
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2.675426	610.628644	7.54513	0.246527	0.573705	0.171093	1	1.591084	0.600501	0.14416	0.297944	0.299929	0	0	0	0.337325	0.390063	0	USER_007543	0.186054	10.390332	0.559127	3.17544	0.603947	0.080975	31.271051	-0.875211	0.411438	0.816422
15	778.575904	0.5	0.81257	0.982654	0.231707	5	9.816008	0.478742	0.00973	0.140999	0.081628	0.944253	0.764632	0.756349	0.004058	0.508673	1	U_SYN_3395	1.073635	0.461828	0.754967	7	1.354283	0.139424	0.021714	0.721169	0.982654	10.538812
0	653.726761	5.11044	0.584543	2.195639	0.314731	0	8.692172	0.961452	0.004271	0.546875	0.015394	0.181077	0.068506	0.018067	0.007553	0	0	U_SYN_14796	0.652875	2.226151	1.504604	0	0.112187	0.232985	0.668226	0.090294	0	5.674903
1.280108	590.902675	5.580259	0.181986	0.703845	0.31004	2	5.316929	0.36727	0.359269	0.638077	0.005379	1	0	1	-0.04798	0.331091	0	USER_004524	0.273877	5.843839	0.667713	5.591251	1.367275	0.129019	19.250772	0.485948	0.248703	6.492278
0	640.292818	2.052238	0.149412	0.651561	0.688236	0	7.478216	1	0.007206	0.353006	0.065189	0.106369	0.089886	0.054535	0.009828	0.67422	0	U_SYN_12760	0.268062	2.730634	0.203133	0	0.069422	0.102208	1.201391	0.058877	0	2.004628
0	574.539562	4.716529	0.336266	1.608152	0.42986	0	6.820535	1	0.00873	0.585374	0.087069	0.089056	0.011942	0.232947	0.005087	0.195924	0	U_SYN_3127	0.464034	2.761188	0.916871	0	0.069815	0.232405	1.345687	0.030299	0	3.164958
0	595.73391	0.748154	0.269751	1.094802	0.533023	1	7.221319	1	0.00556	0.215986	0.096095	0.260754	0.181733	0.392564	0.006029	0.452599	0	U_SYN_9694	0.535692	0.626174	0.511247	1	0.318044	0.247651	0.291211	0.132746	0	3.868401
1.094512	611.149639	6.656357	0.193723	0.750659	0.43115	1	4.148104	0.527937	0.181208	0.001581	0.221	2	0	0	0.045004	0.653834	1	USER_000138	0.16185	8.285723	0.08174	6.047919	0.392296	0.070287	18.932348	1.776742	0.876367	7.74335
0	761.846941	1.61507	0.318775	2.066226	0.251787	2	10	0.944747	0.006044	0.199564	0.001159	0.409059	0.293043	0.482393	0.004518	0	0	U_SYN_8501	0.625491	0.745568	1.545977	2	0.185867	0.100253	0.277023	0.232732	0	6.254912
0.028934	671.635335	10.329022	0.122338	0.702835	0.118384	1	1.615122	0.864221	0.128625	0.8418	0.474139	1	0	0	-0.011421	0.908347	0	USER_005133	0.07537	17.483918	0.035907	3.289184	0.218396	0.024442	45.531166	1.862859	0.199544	4.077227
2.380139	396.765262	1.420703	0.277171	0.780008	0.6539	2	7.535753	0.197107	0.523547	0.365895	0.080326	3	0	0	0.027159	0.830779	1	USER_005846	0.521015	-0.124045	0.79719	6.798134	1.21973	0.429349	2.458526	-0.472094	0.136615	0.746538
2.168983	563.436794	7.991429	0.325794	0.756444	0.297014	2	5.832475	0.504805	0.240011	0.395329	0.159647	1	0	0	0.300688	0.409506	0	USER_005406	0.271238	8.327299	0.434043	4.205961	1.163096	0.141321	28.089324	0.582762	0.923819	1.593539
12.949648	484.303419	2.738962	0.330731	0.802408	0.511012	1	5.009646	0.332122	0.36574	0.888805	0.413107	2	0	0	0.191587	0.29607	0	USER_001535	0.331351	2.342553	0.726245	2.313935	0.331484	0.220316	6.696597	1.278157	0.482512	7.24506
5	669.564053	2.571044	0.918724	2.441685	0.198981	3	10	0.782425	0.008082	0.362186	0.052017	0.626254	0.453646	0.381589	0.006916	0	1	U_SYN_3587	0.938831	1.011551	1.955836	3	0.343957	0.307998	0.04158	0.411	0.813895	9.388311
0	537.872041	1.894447	0.935292	0.787902	0.51707	2	7.337739	1	0.00495	0.354426	0.04356	0.367233	0.340589	0.291321	0.006077	0.606049	0	U_SYN_3557	0.538447	2.133621	0.380502	2	0.468948	0.305571	0.063385	0.212347	0	3.95098
11.591275	522.31381	3.000421	0.199175	0.804471	0.318297	0	5.895589	0.50316	0.284753	0.755937	0.083009	2	0	0	0.018555	0.325911	1	USER_005981	0.199455	2.180811	0.537511	3.103552	2.719812	0.118834	10.22698	0.929346	0.900034	4.888403
0	634.655763	5.183197	0.191116	0.963631	0.371878	0	6.433293	1	0.001923	0.526483	0.078737	0.083996	0.064876	0.071013	0.006261	0.518184	0	U_SYN_10962	0.287917	4.873114	0.605278	0	0.036174	0.11273	1.559136	0.044662	0	1.852255
0	510.552142	2.051811	0.415107	1.125886	0.300743	0	9.17495	0.931268	0.007271	0.345946	0.086433	0.073807	0.035643	0.106468	0.003715	0.437057	0	U_SYN_13004	0.442654	1.673737	0.787284	0	0.192911	0.273197	0.360918	0.060328	0	4.061332
7.951663	501.114403	3.66407	0.410469	0.756996	0.393493	7	5.991376	0.305796	0.454595	0.26285	0.385414	1	0	1	-0.000071	0.496719	1	USER_001708	0.285817	1.794574	0.719706	15.395606	1.315179	0.181304	11.111421	-0.36169	0.380336	0.526486
18.928598	579.755501	4.107739	0.245377	0.837416	0.5168	2	4.482323	0.546418	0.423026	0.027251	0.496904	1	0	0	0.082848	0.103552	1	USER_001005	0.289965	3.32648	0.664186	4.426518	1.928295	0.142475	9.924288	0.379634	0.435151	7.872846
0	850	4.467063	0.465572	2.083922	0.066835	0	8.716186	1	0.009901	0.602421	0.052191	0.169169	0.05422	0.228237	0.000887	0	0	U_SYN_5171	0.600248	2.045432	1.944642	0	0.101941	0	0.159557	0.067017	0	5.231872

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