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	765.814956	1.294965	0.117253	1.401059	0.337612	0	9.448921	1	0.002699	0.197204	0.056299	0.04865	0.05349	0.221879	0.007033	0.299471	0	U_SYN_13970	0.458761	0.862701	0.928044	0	0.084055	0.07022	0.385934	0.030642	0	4.334792
0	754.417644	9.769256	0	0.762187	0.027529	0	-2.045856	0.936848	-0.032017	0.314603	0.333249	0	0	0	-0.195623	0.913152	0	USER_000037	-0.075488	19.364135	0.066036	-0.774183	2.259292	-0.013119	47.501605	-0.995736	0.69633	2.6718
2	542.645656	2.641319	0.48835	0.433295	0.64665	0	7.144142	0.946185	0.00848	0.447714	0.047489	0.121803	0.056071	0.246507	0.011058	0.783352	0	U_SYN_9031	0.346122	4.952828	0.153105	0	0.178144	0.193422	0.873902	0.074888	0.057773	2.472743
3.31833	527.689992	1.766714	0.342224	0.903947	0.337309	0	4.95623	0.427999	0.494948	0.162957	0.003355	0	0	0	0.025264	0.944235	0	USER_005980	0.070231	1.692676	0.054432	-0.385782	4.99092	0.041156	5.853924	-0.322406	0.262484	2.993854
2	581.595397	5.240587	0.779142	0.537441	0.497605	2	6.126159	0.8636	0.006341	0.594871	0.015122	0.412777	0.383666	0.343259	0.007575	0.731279	0	U_SYN_2659	0.41868	8.221288	0.270008	2	0.145891	0.204319	0.575941	0.293493	0.071659	2.564899
0	804.409266	2.755829	0.182731	1.080525	0.441815	0	7.703621	0.93371	0.006315	0.36911	0.020294	0.196814	0.061826	0.099301	0.006737	0.459737	0	U_SYN_141	0.340957	2.334409	0.603133	0	0.063985	0.028263	0.995079	0.104108	0	2.626601
0	615.523342	3.609642	0.22903	0.322164	0.514526	0	4.382876	1	0.006726	0.443862	0.097088	0.01426	0.001696	0.299234	0.005179	0.838918	0	U_SYN_2597	0.187055	8.550323	0.156402	0	0.061739	0.079746	1.431888	0.004787	0	0.819841
2	656.307768	2.439117	0.59541	1.122382	0.461095	0	8.430906	1	0.003271	0.313724	0.025122	0.1646	0.06627	0.00022	0.005263	0.438809	0	U_SYN_6701	0.521867	1.995381	0.604857	0	0.234495	0.183785	0.455027	0.069261	0.149651	4.399812
0.15216	538.654077	7.605763	0.225024	0.906799	0.382152	0	2.222371	0.84413	-0.004017	0.173758	0.120327	0	0	0	0.008399	0.245129	0	USER_000223	0.277066	9.546111	0.373309	-1.264031	1.705487	0.156842	23.496046	-0.202457	0.621227	2.098897
2.860074	627.509832	9.200444	0.097485	0.697542	0.453398	1	2.108761	0.749476	0.11649	0.84019	0.247847	0	0	0	0.082231	0.585777	0	USER_002761	0.012435	12.526675	0.039606	1.422915	0.044595	0.00503	25.144909	0.938518	0.423542	6.919514
1.87629	673.932471	9.742385	0.228157	0.600504	0.216864	0	-0.089929	0.723522	0.005483	0.537209	0.130205	0	0	0	-0.150567	0.010428	0	USER_005058	0.066604	15.247635	0.160991	0.87004	0.164205	0.021321	38.148085	0.444267	0.39462	4.495733
7.785092	480.681569	2.330497	0.450463	0.57271	0.591044	1	4.577997	0.256385	0.449807	0.245264	0.445851	2	0	1	-0.071971	0.092881	1	USER_009874	0.156314	1.127376	0.718416	4.816655	2.629262	0.104963	4.765358	-0.33075	0.111298	8.699484
0	680.645632	1.159569	0.437621	0.724286	0.453664	1	6.184783	1	0.008071	0.245072	0.066238	0.262209	0.167356	0.191328	0.006732	0.637857	0	U_SYN_7418	0.434928	1.406755	0.395704	1	0.347437	0.133922	0.295842	0.128869	0	2.689936
0.063415	811.238936	8.191681	0.232635	0.865759	0.227614	1	1.19546	0.983433	0.051187	0.390491	0.47557	0	0	0	0.075461	0.071357	0	USER_006125	0.122284	15.098813	0.628896	1.704034	1.676521	0.008618	31.635686	0.982952	0.749818	3.35458
6.457219	663.491124	5.977954	0.177821	0.730407	0.25131	1	3.166548	0.611167	0.220219	0.624531	0.104876	1	0	0	0.128024	0.185189	0	USER_002522	0.078309	6.737499	0.081844	3.179071	2.207323	0.026555	22.378187	0.720598	0.621714	3.714313
15	669.362825	6.743546	0.719842	0.73361	0.507506	5	8.312426	0.538681	0.00353	0.707207	0.09593	0.837707	0.819895	0.735532	0.007874	0.633195	1	U_SYN_10449	0.691899	8.089568	0.361299	7	0.105186	0.227241	0.958809	0.681808	0.73361	5.751362
8.333574	467.011714	4.125352	0.30673	0.877718	0.639083	6	6.542676	0.180976	0.277894	0.322952	0.375843	0	0	2	0.051722	0.569019	1	USER_003171	0.385826	1.997998	0.824271	12.267095	2.390026	0.268667	7.444549	-0.221529	0.133727	4.635009
2	717.198774	7.258142	0.54164	0.622297	0.297805	0	7.526594	0.885884	0.006793	0.851603	0.07631	0.062857	0.039003	0.256722	0.007201	0.688851	0	U_SYN_12130	0.354132	10.04869	0.436974	0	0.073611	0.085508	0.99075	0.076204	0.082973	2.665409
0.553413	514.531264	5.14065	0.341297	0.739445	0.41565	2	3.102425	0.517933	0.224475	0.788748	0.417055	0	0	2	0.059809	0.366314	0	USER_007452	0.098276	5.105604	0.207412	6.838477	0.68011	0.059943	15.019698	0.675772	0.972321	9.449424
3.205674	619.131347	0	0.483603	0.725106	0.361956	4	7.011857	0.531402	0.256397	0.466096	0.28682	0	0	1	0.012922	0.939826	1	USER_006030	0.25787	0.044309	0.65418	7.015554	6.734932	0.108244	0	0.558	0.580426	9.139845
1.503284	593.206966	4.695225	0.303063	0.821036	0.268277	3	3.292337	0.68797	0.283138	0.621101	0.371104	1	0	2	0.143728	0.955269	0	USER_001843	0.447025	5.865208	0.903413	6.993605	0.520659	0.208714	17.178012	-0.425657	0.979785	1.154122
3.295662	606.348719	8.27027	0.26408	0.750705	0.273512	1	2.845895	0.719446	0.147484	0.791689	0.200084	0	0	0	0.126523	0.995305	0	USER_001013	0.151586	11.103722	0.126115	0.415166	5.360394	0.067153	30.041264	-0.778458	0.865005	2.421356
0	584.581567	8.525104	0.649319	1.609822	0.393153	0	8.906068	0.717462	0.005206	1.042093	0.089185	0.051786	0.073106	0.108832	0.008124	0.195089	0	U_SYN_8179	0.539948	4.98596	0.976916	0	0.075282	0.260568	1.175368	0.150483	0	4.808814
0	523.692435	2.408375	0.682567	0.537594	0.603522	0	7.699112	0.879982	0.004662	0.396248	0.028107	0.18544	0.004443	0.289414	0.010209	0.731203	0	U_SYN_11565	0.392022	3.777284	0.213145	0	0.272115	0.232581	0.461391	0.104972	0	3.01822
0.948485	500.804872	3.490355	0.153693	0.902003	0.505761	1	5.088868	0.576308	0.261927	0.667235	0.010899	0	0	1	-0.041358	0.758079	1	USER_002332	0.078783	2.951152	0.876444	0.843674	4.882213	0.05002	8.625343	-1.370951	0.694956	3.699291
15	701.258315	0.5	0.460284	1.980607	0.172364	3	10	0.584726	0.002263	0.106647	0.090407	0.55396	0.505409	0.408146	0.002808	0.009696	1	U_SYN_9528	1.16754	0.240314	1.639222	5	0.76714	0.315749	0.046514	0.483921	1.980607	11.6754
2	734.711121	9.013433	0.558001	0.381953	0.506267	0	5.123636	0.815635	0.002336	1.079874	0.042928	0.176387	0.026518	0.082089	0.008448	0.809023	0	U_SYN_6370	0.305736	18.701891	0.188583	0	0.061228	0.064087	2.016934	0.134617	0.050927	1.566483
2	631.158315	2.057144	0.150919	0.415737	0.379539	0	6.387557	0.538159	0.000361	0.228551	0.066959	0.103558	0.021981	0.253139	0.004124	0.792131	0	U_SYN_4628	0.261138	3.988745	0.257949	0	0.069963	0.103905	0.662934	0.222398	0.055432	1.668036
0	652.492349	2.09381	0.437772	0.682251	0.340775	0	6.20981	1	0.006743	0.39895	0.068464	0.049275	0.093319	0.047928	0.003665	0.658875	0	U_SYN_14478	0.358947	2.676649	0.449757	0	0.199549	0.1289	0.401159	0.042778	0	2.228994
15	712.955837	4.413455	1	2.11942	0.249069	3	10	0.496084	0.009041	0.471697	0.092475	0.67913	0.529348	0.524959	0.003478	0	1	U_SYN_441	1.068196	1.988562	1.591539	5	0.22156	0.266164	0	0.56411	2.11942	10.68196
0	850	3.532509	0.507901	0.481852	0.421952	0	5.738877	1	0.003991	0.371166	0.040081	0.105019	0.038715	0.100812	0.004945	0.759074	0	U_SYN_9794	0.303799	6.071144	0.278534	0	0.139821	0	0.733498	0.04312	0	1.743466
0	713.892302	4.974306	0.402268	0.400363	0.61717	0	6.475222	0.993875	0.006594	0.643061	0.085798	0.183557	0.001173	0.229401	0.008505	0.799818	0	U_SYN_9046	0.240167	9.941384	0.153271	0	0.079276	0.059434	1.835033	0.057869	0	1.555137
0	509.568358	7.299397	0.53493	0.587646	0.497044	0	6.272021	0.906252	0.009703	0.777485	0.089849	0.059317	0.070902	0.283377	0.007614	0.706177	0	U_SYN_3830	0.305038	10.615045	0.29556	0	0.072294	0.188808	1.68733	0.076565	0	1.913202
1.624664	582.956206	3.624869	0.236408	0.925517	0.37717	2	5.151186	0.562863	0.192199	0.301522	0.076057	0	0	1	0.098685	0.890545	1	USER_009257	0.308631	4.086297	0.364606	4.778469	0.818102	0.149851	11.288387	-0.991765	0.983969	8.392412
2.026472	503.837789	5.161965	0	0.672519	0.490478	1	3.167175	0.280417	0.415296	0.996713	0.250073	0	0	3	-0.156064	0.143485	1	USER_008814	0.164928	4.679554	0.064373	1.199912	0.000583	0.103803	13.150673	2.395201	0.517374	5.210777
0	697.849973	1.222559	0.45058	0.862301	0.481062	1	6.9015	0.973165	0.00545	0.24384	0.092211	0.189834	0.164179	0.25222	0.008796	0.56885	0	U_SYN_6344	0.458856	1.270454	0.447481	1	0.340688	0.126936	0.323129	0.116938	0	3.166796
0.126295	760.310157	8.218869	0	0.885597	0.04015	0	1.551414	0.817284	0.018338	0.546572	0.069119	0	0	0	-0.07246	0.515557	0	USER_007805	-0.146834	15.393356	0.38663	1.8206	0.383969	-0.023945	39.444394	-1.266424	0.159755	8.9363
2	581.264557	5.53713	0.750235	1.250067	0.492683	1	6.793453	0.914524	0.005056	0.66991	0.067556	0.229378	0.195565	0.334797	0.006857	0.374966	0	U_SYN_1958	0.550563	4.101373	0.634181	1	0.133088	0.26901	0.681372	0.161673	0.166676	3.740223
0	621.54897	2.983869	0.372663	0.727091	0.682343	0	5.889951	0.943489	0.001581	0.453881	0.046726	0.058999	0.023818	0.178961	0.010125	0.636454	0	U_SYN_155	0.322071	3.607665	0.230965	0	0.120843	0.133777	1.277273	0.04745	0	1.896981
10	577.577869	3.726096	0.495862	0.545114	0.44705	1	8.714751	0.703479	0.009775	0.38953	0.017661	0.296968	0.205137	0.191471	0.007649	0.727443	0	U_SYN_10487	0.510054	5.77587	0.301421	3	0.1296	0.252636	0.83977	0.26924	0.363409	4.444993
0.738428	567.652046	6.626589	0.183039	0.75245	0.50989	2	3.675196	0.639036	0.313061	0.019561	0.09246	1	0	1	-0.046299	0.349185	1	USER_008106	0.00373	6.797186	0.739582	4.696302	1.15841	0.001915	16.238784	0.325452	0.04661	5.483827
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5	595.045541	3.766425	0.316819	0.978137	0.593233	0	7.074276	0.823758	0.000509	0.561239	0.074462	0.09347	0.098251	0.240667	0.00761	0.510931	0	U_SYN_6450	0.442401	3.493457	0.397874	0	0.081941	0.205076	1.526477	0.128013	0.326046	3.129664
7	620.386042	1.811094	0.47899	0.555015	0.518502	4	7.108547	0.702351	0.009523	0.209763	0.043558	0.745633	0.59348	0.680625	0.009226	0.722493	0	U_SYN_12328	0.499352	2.764966	0.267239	6	0.250637	0.20847	0.489257	0.520794	0.259007	3.549668
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5	631.159418	4.771416	0.215558	0.74476	0.44409	0	6.955945	0.733534	0.005886	0.494431	0.098344	0.125219	0.045092	0.205007	0.009213	0.62762	0	U_SYN_13537	0.354675	5.64825	0.414019	0	0.04425	0.141122	1.662184	0.157679	0.248253	2.467102
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0	639.776579	1.428647	0.470511	0.55901	0.375989	0	5.806281	0.940879	0.000246	0.220477	0.07303	0.056126	0.033508	0.192506	0.005452	0.720495	0	U_SYN_11749	0.38379	2.167869	0.348828	0	0.307795	0.146694	0.284418	0.050539	0	2.228391
0	545.862091	4.125057	0.845795	1.431484	0.444858	2	9.723191	0.775889	0.001014	0.478155	0.012547	0.483658	0.369943	0.403896	0.006116	0.284258	0	U_SYN_9587	0.587372	2.693504	0.794677	2	0.200186	0.324804	0.282975	0.345725	0	5.71113
4.419335	526.603445	5.444024	0.248156	0.769461	0.337936	2	3.737381	0.629247	0.292642	0.435965	0.084964	0	0	0	-0.010837	0.743582	1	USER_001648	0.098415	5.479	0.898983	3.823307	2.278284	0.057867	18.021458	-0.740437	0.292829	1.928151
0	639.13782	5.039644	0.325104	2.463259	0	0	9.201426	0.956245	0.006324	0.639905	0.069723	0.023705	0.028154	0.21832	0.004431	0	0	U_SYN_11739	0.629096	1.966107	2.463259	0	0.063254	0.241187	0	0.03306	0	5.788583
0.527883	394.849053	0	0.313878	0.728975	0.630621	2	6.943791	0.197796	0.378375	0.450183	0.235549	2	0	1	-0.030395	0.764595	1	USER_000036	0.255683	-0.082008	0.115625	6.464171	6.980705	0.21159	0	0.465422	0.131162	4.142363
10	758.253701	5.677564	0.615454	0.791393	0.471786	2	7.293267	0.829764	0.00816	0.590736	0.050192	0.382876	0.348481	0.448735	0.006563	0.604303	0	U_SYN_226	0.577532	6.369314	0.418025	4	0.106525	0.096339	1.030043	0.287501	0.527596	4.212093
0	728.37314	0.5	0.246733	1.171338	0.223603	2	8.811466	1	0.00447	0.149139	0.035033	0.50758	0.358046	0.483204	0.002529	0.414331	0	U_SYN_3864	0.641621	0.393286	0.909424	2	0.411221	0.141888	0.084216	0.259688	0	5.65362
0	765.435629	1.75708	0.187503	0.862402	0.720185	2	7.075574	0.823829	0.004751	0.238197	0.025895	0.321951	0.324089	0.324014	0.008612	0.568799	0	U_SYN_10592	0.336427	1.825724	0.241313	2	0.100966	0.051727	1.028153	0.264281	0	2.380415
0.270809	703.767085	8.764007	0.047425	0.736631	0.256307	0	3.242225	0.575653	-0.025881	0.002237	0.469073	0	0	0	0.265034	0.936143	0	USER_008329	0.114099	12.781368	0.380876	2.340741	2.228907	0.030336	32.588667	0.162621	0.978576	2.41088
3.47618	733.260282	10.489552	0.196608	0.736713	0.139835	1	1.399722	0.954135	0.07281	0.057585	0.34243	0	0	0	0.046704	0.047901	0	USER_009759	0.079316	15.867065	0.716002	0.085724	2.100959	0.016835	45.113707	0.292125	0.580731	6.176714
0.615657	439.990334	3.139866	0.344891	0.856612	0.543289	0	6.917745	0.25927	0.562956	0.708488	0.423908	1	0	1	0.259677	0.838118	1	USER_001154	0.311324	0.657906	0.564892	2.651292	1.453793	0.232084	7.170061	0.784142	0.324762	7.173494
12.540156	584.856738	5.284657	0.26691	0.592136	0.516218	0	4.426678	0.431496	0.294268	0.267379	0.023013	2	0	0	0.034424	0.940889	1	USER_005095	0.212373	5.6358	0.705851	0.41817	0.781445	0.102381	12.783118	-0.046079	0.039358	4.928297
2	544.606915	7.55087	0.829366	1.3187	0.369857	1	8.034001	1	0.004848	0.837251	0.091402	0.252763	0.240784	0.332613	0.006405	0.34065	0	U_SYN_8438	0.578691	5.322388	0.83097	1	0.108402	0.321324	0.476536	0.148064	0.175827	4.649201
0	636.647426	0.556041	0.71522	1.016032	0.596236	3	10	1	0.005484	0.252187	0.038427	0.656083	0.466596	0.422771	0.007779	0.491984	1	U_SYN_1529	0.722632	0.49823	0.410238	3	1.090207	0.280319	0.094413	0.336804	0	7.226316
18.840725	361.474094	1.292451	0.656949	0.833596	0.755075	1	5.155193	0.282931	0.311244	0.399423	0.203751	3	0	1	0.023316	0.937652	0	USER_009456	0.525583	0.889957	0.059914	5.26766	0.090783	0.466838	1.582765	0.161602	0.533785	2.9263
5	607.185467	3.231932	0.650464	0.929116	0.419636	0	8.582871	0.879802	0.008962	0.40315	0.075189	0.01661	0.012623	0.092917	0.005098	0.535442	0	U_SYN_923	0.540988	3.140493	0.539225	0	0.195221	0.238836	0.474054	0.056849	0.309705	4.643227
1.096727	599.028116	8.458629	0.236401	0.947739	0.31498	5	2.747539	0.678361	0.372385	0.642087	0.244798	0	0	1	-0.022276	0.446694	1	USER_007221	0.338161	10.469383	0.668644	8.591256	0.454598	0.154307	28.971663	-1.288423	0.084078	4.351106
11.158078	483.274772	4.763327	0.261122	0.612636	0.507116	0	5.71508	0.382062	0.291921	0.574136	0.081212	4	0	0	0.263325	0.677013	1	USER_005748	0.136777	3.063393	0.31823	3.386074	2.212788	0.0912	11.738841	0.877653	0.465054	7.832621
5.750136	503.611177	3.807175	0.142851	0.807416	0.471929	1	5.102545	0.58908	0.166364	0.955758	0.461561	0	0	2	0.188167	0.795571	1	USER_002053	0.080895	2.67361	0.321247	2.565642	0.500428	0.050948	10.052302	0.96284	0.912387	7.043244
1.67575	632.503633	4.09207	0.191589	0.631616	0.372305	4	1.70047	0.418622	-0.03835	0.515223	0.368636	1	0	1	-0.051191	0.496894	1	USER_004988	0.229143	4.838874	0.328249	8.401687	0.736465	0.090614	12.84285	-1.586197	0.313462	7.552138
4.414014	544.160159	5.672573	0.324984	0.537809	0.309709	1	5.551867	0.485397	0.248115	0.35229	0.209499	0	0	0	-0.03465	0.769413	1	USER_006492	-0.013941	5.469008	0.081395	2.33834	3.010405	-0.007752	19.578629	-0.365544	0.529757	9.624756

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