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	618.873479	2.285564	0.133951	0.447813	0.568384	0	5.503268	1	0.008213	0.259584	0.012645	0.125126	0.087088	0.05284	0.007972	0.776093	0	U_SYN_9917	0.213586	4.172158	0.193283	0	0.056151	0.089755	1.125065	0.063664	0	1.175419
4.179998	577.918135	0.521204	0.49159	0.762042	0.188727	1	8.550324	0.366251	0.242184	0.979806	0.421639	1	1	2	-0.009882	0.103694	1	USER_008733	0.21904	0.767119	0.929342	2.494309	0.617724	0.108358	2.114192	-0.854129	0.133654	6.6043
2.608985	610.804046	7.101784	0.230408	0.643007	0.487792	1	2.314902	0.600212	0.298368	0.406266	0.327196	1	0	1	0.180426	0.796032	0	USER_007346	0.297383	10.05782	0.363691	2.719637	3.977794	0.129332	18.187938	0.018939	0.230706	7.910027
2.049409	669.006052	7.199457	0.195351	0.67584	0.491223	3	4.215779	0.736914	0.283009	0.856178	0.136494	2	0	0	-0.229714	0.419672	1	USER_003880	0.142067	8.510126	0.28717	7.044698	5.478904	0.046751	18.314598	-0.13442	0.652781	9.233753
0.273954	663.753116	6.467038	0.154371	0.760914	0.264573	1	4.001666	0.738935	0.167777	0.550227	0.386087	1	0	1	0.020968	0.236316	0	USER_000096	0.155546	8.298336	0.386525	1.909023	0.51475	0.052673	23.780184	-1.485332	0.914318	9.076685
0	597.979099	9.22603	0.316424	0.835266	0.41078	0	6.481814	1	0.009647	1.052672	0.086604	0.110705	0.014483	0.067335	0.006386	0.582367	0	U_SYN_2817	0.283426	9.864608	0.492156	0	0.033929	0.129871	2.590662	0.037556	0	1.837112
4.827472	434.712346	3.835954	0.462228	0.845634	0.460859	2	5.345744	0.422276	0.17576	0.624548	0.200099	2	0	3	0.090736	0.648643	0	USER_001724	0.337184	2.445622	0.091877	6.976585	0.470067	0.254597	10.340592	-1.222603	0.426636	6.57194
2.534244	808.207745	9.989477	0	0.743771	0.082473	0	0.897514	0.938218	-0.02563	0.069865	0.144186	0	0	0	-0.058949	0.43835	0	USER_003792	-0.042399	17.455331	0.682193	0.167492	2.193131	-0.003222	45.828089	-1.204985	0.995836	2.1624
0	493.589824	2.147335	0.561441	1.43044	0.30298	0	8.949358	1	0.00928	0.257814	0.030661	0.111174	0.095382	0.288253	0.006327	0.28478	0	U_SYN_5782	0.543515	1.403084	0.997045	0	0.249825	0.352208	0.285326	0.061967	0	4.864107
0.41179	757.200814	8.530948	0.159182	0.938193	0.263904	0	2.348958	0.858994	0.045952	0.437551	0.064926	1	0	0	-0.02479	0.320284	0	USER_005960	0.056329	15.022991	0.278455	0.562597	0.806415	0.009504	31.397981	1.287369	0.629567	4.881001
1.185146	447.711357	6.601704	0.127177	0.630009	0.345542	2	5.510748	0.352431	0.289603	0.095491	0.169065	1	0	0	0.022307	0.705741	1	USER_001163	0.134357	6.413568	0.244974	3.757953	3.075453	0.098273	21.602704	0.295855	0.455596	4.394942
0.482476	562.629355	4.824771	0.036204	0.752576	0.300753	2	2.12627	0.387162	0.369493	0.34514	0.153676	0	0	0	0.31787	0.057796	0	USER_005109	-0.004305	4.560537	0.385789	3.697002	5.09397	-0.002249	16.868546	-0.441663	0.566969	4.928769
0.423094	728.501817	8.916232	0	0.730162	0.137495	1	0.360787	0.800178	-0.085063	0.511098	0.408152	1	0	0	0.0073	0.422374	0	USER_004169	-0.044777	15.36952	0.315004	3.039865	3.299173	-0.009892	38.451481	1.28605	0.971884	5.440974
0	598.662251	2.849028	0.262161	0.522934	0.373941	0	3.515544	1	0.009979	0.383687	0.039098	0.130349	0.051154	0.29556	0.008284	0.738533	0	U_SYN_9715	0.251054	4.573564	0.327387	0	0.088898	0.114726	0.786071	0.054451	0	0.882592
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0.449536	548.047425	6.402735	0.006733	0.789952	0.292796	2	3.018276	0.443884	0.366719	0.907176	0.351416	0	0	0	0.215018	0.060366	1	USER_009258	-0.031194	7.499362	0.246528	5.365348	0.361643	-0.017126	22.640196	1.162885	0.146358	2.391623
6.509236	396.611462	0.985742	0.316864	0.687738	0.676112	1	9.134639	0.148448	0.341176	0.478802	0.112481	0	0	1	-0.054935	0.016968	0	USER_002396	0.147344	-0.081133	0.089075	4.165497	14.594279	0.121462	1.596353	-0.137844	0.32462	4.323841
6.902876	485.903508	3.466076	0.299065	0.584876	0.429321	5	3.837195	0.451622	0.308943	0.251992	0.495816	2	0	0	0.258362	0.12074	1	USER_006664	0.023801	2.790086	0.581345	13.125965	1.947761	0.015756	9.890093	0.972252	0.268374	8.50205
0	488.98302	0.925694	0.121757	1.010222	0.404196	2	7.279651	1	0.009155	0.165227	0.079035	0.513912	0.306338	0.404842	0.008443	0.494889	0	U_SYN_4895	0.433561	0.833792	0.601895	2	0.118707	0.284587	0.328605	0.246075	0	3.156176
5.295183	549.177114	4.902341	0.294865	0.697952	0.484411	2	2.797785	0.474812	0.320027	0.2788	0.385009	1	0	3	0.110947	0.945715	1	USER_005421	0.190008	4.542047	0.916147	5.325902	0.755851	0.103925	12.63796	1.766732	0.237175	1.716772
1.95116	599.126921	7.177126	0.394355	0.605158	0.1886	1	3.578371	0.667309	0.288157	0.97217	0.102312	0	0	1	0.056781	0.090624	0	USER_008072	0.237214	10.1495	0.18633	1.106756	1.768382	0.108201	29.117601	-0.33705	0.595806	1.576072
0	583.666168	6.787381	0.164439	1.413901	0.277096	0	8.796585	1	0.00707	0.830738	0.003908	0.142385	0.042363	0.016136	0.007531	0.29305	0	U_SYN_148	0.36115	4.483373	1.022115	0	0.023875	0.174885	1.571486	0.055424	0	3.176891
8.441992	585.972367	6.081331	0.269554	0.685838	0.338522	0	3.70389	0.490892	0.232604	0.766493	0.187467	2	0	1	0.002745	0.659072	0	USER_001669	0.289922	6.701145	0.870662	0.973879	5.680989	0.139177	20.113338	-1.261695	0.698199	0.191313
0.792793	622.518927	6.237254	0.27836	0.745677	0.112245	0	2.313395	0.782481	0.159919	0.258791	0.441207	1	0	1	-0.026912	0.341797	0	USER_003752	0.092278	8.082815	0.514354	-0.468114	1.509574	0.038166	27.685763	2.448479	0.240175	3.710122
2	443.247668	2.568549	0.183342	0.325356	0.6557	0	4.421586	1	0.000641	0.352734	0.00799	0.084683	0.017666	0.01931	0.008392	0.837322	0	U_SYN_8555	0.235021	6.038583	0.11202	0	0.068705	0.17381	1.375413	0.030705	0.043381	1.039166
3.967789	529.781098	4.031531	0.260425	0.686703	0.531547	1	5.656937	0.462241	0.219264	0.241134	0.038062	2	0	0	0.037121	0.673816	0	USER_007483	0.247428	3.405813	0.983958	4.009176	3.690529	0.144056	9.442923	0.248418	0.240298	0.700697
0.309886	559.211462	3.940758	0.121872	0.53498	0.506853	0	2.027712	0.462373	0.339942	0.319739	0.230381	1	0	1	0.018522	0.679445	1	USER_000463	0.015755	3.715429	0.196312	0.587795	1.2386	0.00833	9.716873	-0.765703	0.162738	0.735448
0	550.285645	4.579434	0.722887	0.537108	0.354324	3	9.016107	0.956164	0.003908	0.550257	0.004157	0.585974	0.478382	0.568974	0.005622	0.731446	0	U_SYN_4443	0.367028	7.187845	0.346798	3	0.154482	0.200006	0.449644	0.336841	0	3.309164
0	736.757948	8.622118	0.343437	0.740333	0.288225	0	6.782915	0.962867	0.005158	0.980048	0.002837	0.185151	0.050253	0.239917	0.002896	0.629833	0	U_SYN_7446	0.274028	10.260355	0.526951	0	0.039375	0.056421	1.631632	0.085475	0	1.858708
0	589.597011	6.119449	0.759896	1.453667	0.154685	2	8.726982	0.949279	0.009438	0.722168	0.054611	0.404311	0.363468	0.489545	0.005378	0.273167	0	U_SYN_236	0.550859	3.938714	1.228807	2	0.122181	0.26081	0.227279	0.250622	0	4.807339
12.341697	513.894354	3.264405	0.277895	0.749874	0.594256	5	4.118352	0.330232	0.30951	0.932812	0.31279	1	0	0	-0.071006	0.199436	1	USER_000901	0.117038	2.478923	0.512054	10.086024	3.691939	0.071522	6.622558	-0.637334	0.77892	2.465663
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0	721.329818	6.049526	0.640987	0.508366	0.347933	0	5.326145	0.919161	0.007111	0.690699	0.054336	0.16751	0.022927	0.183684	0.007432	0.745817	0	U_SYN_5249	0.326492	9.943896	0.331489	0	0.104234	0.076381	0.755661	0.089467	0	1.738944
5	571.233841	0.797206	0.644573	0.502478	0.296036	0	6.469491	0.786338	0.00884	0.106729	0.000122	0.061407	0.039662	0.299966	0.005186	0.748761	0	U_SYN_8533	0.616782	1.323212	0.353726	0	0.718422	0.312614	0.083882	0.115785	0.167493	3.990263
0	598.600372	1.006013	0.295058	0.751795	0.555107	2	7.692534	0.81535	0.00002	0.178334	0.052591	0.398311	0.363704	0.341991	0.008285	0.624103	0	U_SYN_7426	0.419706	1.181051	0.334469	2	0.266776	0.191844	0.393671	0.302464	0	3.228603
5	753.179875	3.119097	0.453193	0.44403	0.58974	0	6.995467	0.929392	0.001223	0.393335	0.051255	0.073051	0.024724	0.292889	0.006098	0.777985	0	U_SYN_12345	0.386893	5.733321	0.182168	0	0.140782	0.068107	1.005828	0.057576	0.14801	2.706497
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2	617.739223	1.584855	0.607666	0.687423	0.603723	2	4.913049	0.665534	0.002999	0.335208	0.08928	0.367771	0.318495	0.463023	0.008899	0.656289	0	U_SYN_7979	0.478489	2.012712	0.27241	2	0.360663	0.202062	0.375391	0.339666	0.091656	2.350839
3.36845	576.311772	6.377244	0.311946	0.834793	0.278068	2	2.93225	0.63394	0.269905	0.909886	0.038777	0	0	0	0.080008	0.505745	0	USER_009007	0.286397	8.041712	0.866676	4.528998	1.944156	0.142515	23.019682	-0.465838	0.692593	7.618152
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0	605.919047	2.097211	0.49349	0.376389	0.647934	0	6.028368	1	0.003078	0.34568	0.060236	0.195035	0.095721	0.021289	0.009315	0.811806	0	U_SYN_14484	0.314349	4.402311	0.132514	0	0.224598	0.139503	0.688273	0.087227	0	1.895013
2	553.274526	10	0.409164	1.705319	0.407524	0	9.580684	0.771423	0.004456	1.07558	0.025171	0.040038	0.052545	0.154252	0.00477	0.147341	0	U_SYN_4255	0.523615	5.539189	1.010361	0	0.040511	0.282491	2.407795	0.119206	0.227376	5.01659
2.871719	547.302444	1.10611	0.763518	0.986428	0.565204	3	9.477099	0.36755	0.247287	0.716168	0.120174	1	2	1	-0.184512	0.687258	1	USER_007772	0.722548	1.125643	0.526888	6.80706	0.444387	0.397661	2.404661	-0.160597	0.900729	0.880742
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0	745.027928	3.279677	0.28146	0.60136	0.652715	0	3.784295	0.911877	0.009098	0.398627	0.058782	0.124505	0.013134	0.039938	0.010744	0.69932	0	U_SYN_10756	0.263887	4.676169	0.208843	0	0.08328	0.050365	1.538174	0.076541	0	0.998627
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2	686.309843	2.154713	0.409888	1.204213	0.562314	0	7.61919	1	0.00437	0.313796	0.036255	0.11148	0.085712	0.0622	0.00882	0.397894	0	U_SYN_3713	0.492512	1.652118	0.527067	0	0.181792	0.146581	0.714995	0.059158	0.160562	3.752543
0	725.659412	1.694829	0.343538	0.934305	0.413788	3	7.825488	0.886979	0.004052	0.308568	0.016519	0.579266	0.53085	0.599464	0.005676	0.532848	0	U_SYN_6704	0.401354	1.638617	0.547701	3	0.191404	0.090736	0.460377	0.378243	0	3.140788
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1.082381	592.079643	7.553968	0.096839	0.796569	0.322145	1	3.256227	0.669543	0.314228	0.314596	0.272171	1	0	1	0.040096	0.817176	1	USER_002091	0.180811	8.954398	0.809336	2.906515	1.21939	0.084791	25.602485	0.862063	0.374713	3.553051
4.442876	637.06461	8.204923	0.260134	0.822726	0.321074	0	1.159376	0.904771	0.11568	0.773847	0.474122	1	0	0	-0.04005	0.108712	0	USER_008995	0.122095	12.78139	0.27183	1.975044	2.46157	0.04727	27.85268	0.075323	0.696457	8.211257
0	765.151515	1.833506	0.567011	0.342508	0.586135	1	5.198988	0.939928	0.002935	0.227763	0.077937	0.259417	0.231357	0.337898	0.008475	0.828746	0	U_SYN_5189	0.342044	4.143445	0.141752	1	0.293255	0.052767	0.465326	0.171261	0	1.778282
1.036211	604.615716	6.591865	0.205964	0.672742	0.304601	1	2.831283	0.623734	0.22104	0.037359	0.226696	1	0	1	0.18141	0.523968	0	USER_008350	-0.064856	7.556252	0.396805	2.295573	1.976333	-0.028936	22.919879	-0.393196	0.897402	1.192902
1.348003	625.947881	6.335177	0.068542	0.684332	0.009375	0	1.695044	0.619049	0.017286	0.606491	0.025311	0	0	1	0.196626	0.72997	0	USER_006856	0.10705	8.776588	0.373349	0.203285	0.330787	0.043609	31.378933	0.486201	0.133589	5.493132
0.132899	647.798922	6.339346	0.228448	0.85683	0.281265	0	3.0863	0.826819	0.256794	0.164599	0.374925	1	0	0	0.05347	0.507834	0	USER_001456	0.265828	9.80743	0.51512	0.217597	2.02687	0.097729	22.781555	-0.53379	0.979984	2.007575
0	533.10755	0.904007	0.679725	3.166337	0.087841	0	10	1	0.007318	0.149791	0.073536	0.031295	0.076421	0.182198	0.002335	0	0	U_SYN_14210	1.036387	0.276765	2.888202	0	0.677012	0.597133	0.025433	0.032315	0	10.363867
0	565.273006	6.268842	0.394846	0.515748	0.553554	0	7.355762	0.937633	0.009971	0.751709	0.050148	0.051878	0.003477	0.191765	0.008714	0.742126	0	U_SYN_7843	0.253006	10.180857	0.230253	0	0.061997	0.130978	2.099972	0.041553	0	1.861054
0	619.458278	6.108912	0.428735	0.808992	0.454305	0	5.331609	0.905912	0.000881	0.639548	0.025276	0.065868	0.062345	0.238001	0.005157	0.595504	0	U_SYN_12640	0.322631	6.720536	0.441462	0	0.069052	0.135236	1.585439	0.076099	0	1.72014
2	755.602475	10	0.392958	1.38556	0.455832	0	7.466671	0.878386	0.001398	1.064912	0.025498	0.129244	0.02723	0.090393	0.00461	0.30722	0	U_SYN_14052	0.454802	6.731466	0.753978	0	0.038907	0.078058	2.76709	0.095588	0.184741	3.395853
0	664.245176	10	0.438624	1.561222	0.302393	0	9.56168	0.815776	0.005588	1.164443	0.032323	0.040299	0.076399	0.154232	0.005209	0.219389	0	U_SYN_13031	0.463634	6.019664	1.08912	0	0.043428	0.156586	1.697561	0.108699	0	4.433116
0.438689	620.909888	7.772187	0.17663	0.620847	0.350704	0	1.385866	0.688419	-0.083952	0.625017	0.106831	1	0	1	0.075676	0.725612	1	USER_009574	0.056945	10.943062	0.099521	0.86115	0.534152	0.023719	25.232257	-2.423517	0.951081	0.129007
9.263788	610.658831	5.459671	0.350766	0.865521	0.370739	1	2.621724	0.476088	0.142844	0.697069	0.007661	0	0	2	-0.255511	0.236372	0	USER_006485	0.318895	7.705075	0.304795	2.384202	2.092675	0.138772	17.177795	-0.180773	0.714298	3.770719
5	850	4.504369	0.925193	1.555935	0.333782	2	8.809509	0.922244	0.005713	0.627012	0.051455	0.429694	0.313127	0.350393	0.006702	0.222032	0	U_SYN_6764	0.732182	2.720136	1.036592	2	0.200938	0	0.11247	0.253949	0.518645	6.450165
0	694.08799	2.241188	0.775702	0.713831	0.510964	2	6.803492	0.936328	0.008506	0.369923	0.042469	0.320185	0.341178	0.410685	0.008215	0.643085	0	U_SYN_10793	0.460903	2.753876	0.349089	2	0.331328	0.130655	0.256859	0.223878	0	3.135752
0	497.28792	3.756421	0.669566	1.333305	0.521829	0	5.979742	1	0.005737	0.503099	0.020763	0.042052	0.095835	0.04343	0.007413	0.333348	0	U_SYN_1125	0.519392	2.620811	0.637548	0	0.173624	0.333084	0.64772	0.041366	0	3.105832
2.688658	594.391648	7.893931	0.071834	0.494616	0.490481	2	5.276632	0.611078	0.104827	0.154558	0.197807	3	0	1	0.094616	0.679603	1	USER_002625	-0.015339	10.074138	0.944019	7.540275	3.883058	-0.007129	20.110532	0.322215	0.937843	0.433871
10.128559	530.061833	3.377089	0.236232	0.862877	0.46034	3	4.278489	0.52899	0.280218	0.640273	0.222807	4	0	1	0.155353	0.416903	1	USER_009675	0.227429	3.039137	0.1653	10.240199	2.399594	0.132297	9.112403	0.48617	0.090626	7.948748
2.611562	612.946776	5.583229	0.20661	0.905141	0.256742	0	4.618641	0.579276	0.207469	0.633974	0.212985	1	0	0	0.082194	0.353183	0	USER_003733	0.188272	6.791445	0.772067	0.372795	1.647064	0.081146	20.748894	-1.0414	0.085667	3.649556
0	773.469528	0.5	0.425544	1.959989	0.24993	1	9.430903	1	0.006186	0.169622	0.065256	0.353744	0.23798	0.247278	0.003675	0.020005	0	U_SYN_11543	0.852994	0.24272	1.470129	1	0.709239	0.118691	0.071787	0.177517	0	8.044506
0	686.614653	0.824849	0.418929	0.714575	0.595831	1	8.699662	0.942171	0.002775	0.209788	0.028391	0.184602	0.169385	0.386005	0.006771	0.642712	0	U_SYN_4358	0.484845	1.012612	0.288809	1	0.452971	0.14403	0.285579	0.129328	0	4.217991
0	632.469818	2.158281	0.642741	1.057828	0.509829	0	6.519896	0.939985	0.000308	0.331109	0.061194	0.085107	0.081238	0.090148	0.009903	0.471086	0	U_SYN_14114	0.492951	1.864078	0.518517	0	0.284615	0.194967	0.393111	0.07391	0	3.213988
4.78541	519.010513	5.206648	0.2418	0.93549	0.467344	0	5.892725	0.473485	0.211126	0.201366	0.364065	0	0	2	0.119687	0.830404	1	USER_002727	0.327868	4.534203	0.543224	-0.180511	1.186579	0.19731	13.866772	-0.564735	0.267075	0.935596
0.38045	701.714759	6.392684	0.427436	0.791759	0.290428	3	2.461427	0.668767	0.18651	0.876095	0.280059	0	0	1	-0.077357	0.262486	1	USER_009982	0.160118	8.040776	0.841916	5.372043	0.220886	0.043169	22.680364	1.997754	0.934294	0.509907
0.464072	649.18379	6.589162	0.23049	0.684514	0.275534	0	3.014711	0.63962	0.041389	0.993849	0.49957	1	0	2	-0.010107	0.346297	1	USER_006400	0.329056	8.763075	0.055893	0.833757	0.988748	0.120145	23.868128	-2.189428	0.659715	9.877686
2	719.398324	1.479689	0.411984	1.008312	0.365998	2	8.099475	0.731656	0.009144	0.21356	0.048782	0.428458	0.308632	0.422526	0.007812	0.495844	0	U_SYN_7421	0.491865	1.335084	0.639271	2	0.260801	0.116797	0.318448	0.328465	0.134442	3.983846
0	637.347395	6.77122	0.28152	0.530994	0.39275	0	5.098634	1	0.005132	0.741371	0.00758	0.040499	0.077833	0.259997	0.008902	0.734503	0	U_SYN_6652	0.219762	10.731041	0.322446	0	0.040971	0.084969	1.910721	0.0355	0	1.120485
13.137311	547.527735	6.610185	0.363285	0.706002	0.188573	1	4.159576	0.5195	0.338445	0.740517	0.358015	0	0	1	0.030132	0.679998	0	USER_002484	0.154556	7.340845	0.852781	1.293706	0.384031	0.084998	26.818407	2.125427	0.710378	4.4478

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