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
0.119742	714.109473	10.418346	0.247515	0.712314	0.053611	0	0.851394	0.993633	0.07922	0.622107	0.146998	0	0	0	-0.107655	0.656739	1	USER_008570	0.080777	19.974525	0.911365	-0.410819	1.27464	0.019958	49.299061	-0.150373	0.586456	3.876539
0	692.805875	6.77642	0.669296	1.23819	0.260081	0	7.093069	0.92786	0.005564	0.749026	0.053906	0.029507	0.009185	0.215702	0.006717	0.380905	0	U_SYN_7311	0.477512	5.063868	0.916161	0	0.097332	0.136476	0.582839	0.040464	0	3.387024
0.231907	746.250448	7.293466	0.14424	0.711295	0.172514	2	2.583877	0.793291	-0.025059	0.610982	0.301934	0	0	0	-0.048538	0.360304	0	USER_009924	-0.003164	12.043766	0.107629	4.221429	0.478336	-0.000597	30.176197	-1.979944	0.871854	5.769329
0.955695	776.294669	8.252724	0.041065	0.857801	0.295249	0	2.061665	0.788133	0.061379	0.567123	0.230284	1	0	1	-0.074884	0.778937	0	USER_005908	-0.029155	14.906874	0.571643	0.276889	1.3776	-0.003907	29.080573	-1.0555	0.82311	3.278928
10	671.138065	0.5	0.845841	1.010974	0.4647	5	9.631318	0.602013	0.009296	0.229661	0.07001	0.888194	0.800486	0.696173	0.009194	0.494513	1	U_SYN_2717	0.98928	0.450056	0.541174	7	1.409735	0.321717	0.035819	0.665798	0.673983	9.528075
5	440.556247	4.898337	0.662886	1.032232	0.534743	0	6.057201	0.826806	0.009604	0.498717	0.039631	0.128974	0.058832	0.158449	0.007791	0.483884	0	U_SYN_2079	0.545326	4.326268	0.480253	0	0.132621	0.405964	0.883019	0.12562	0.344077	3.303146
2	776.880766	5.294686	0.510445	1.364721	0.307774	0	8.934777	0.688839	0.008586	0.726149	0.028729	0.018992	0.075875	0.168301	0.005112	0.31764	0	U_SYN_951	0.503151	3.61481	0.944695	0	0.09462	0.066891	0.797763	0.152925	0.181963	4.495544
10	563.582792	3.105865	0.26628	0.964023	0.395516	1	8.045415	0.651005	0.006429	0.31876	0.070008	0.164692	0.230927	0.206243	0.006504	0.517988	0	U_SYN_2482	0.535074	2.918982	0.582736	3	0.08306	0.278645	0.901316	0.258284	0.642682	4.304896
0	557.393784	3.486048	0.367313	0.70898	0.491352	0	6.446298	1	0.005745	0.353494	0.056755	0.148947	0.014943	0.212316	0.009148	0.64551	0	U_SYN_9181	0.307762	4.309191	0.360621	0	0.102428	0.163733	1.083715	0.049167	0	1.983922
0	702.097687	5.644042	0.358561	1.347245	0.383686	0	7.516052	0.923357	0.003382	0.69685	0.025701	0.075922	0.031643	0.057318	0.004937	0.326378	0	U_SYN_1759	0.411836	3.899854	0.830325	0	0.062423	0.110748	1.389063	0.062927	0	3.09538
7	575.840736	8.586416	0.622524	1.129237	0.384284	2	8.452934	0.624807	0.005725	0.992129	0.079817	0.350523	0.33944	0.461601	0.004697	0.435381	0	U_SYN_9984	0.575629	6.985157	0.695289	4	0.071666	0.286935	1.24553	0.357066	0.526977	4.865754
3.834758	420.978963	2.51569	0.269213	0.799102	0.652581	2	4.668361	0.227886	0.475718	0.859467	0.009614	1	0	0	0.031513	0.136027	1	USER_005806	0.361412	1.818174	0.869754	4.184776	2.075262	0.281915	4.369991	-2.230169	0.880767	6.533431
3.687985	619.539084	7.705174	0.146346	0.833557	0.230639	2	4.025194	0.769146	0.209023	0.966344	0.132025	2	0	0	0.020698	0.963587	0	USER_008088	-0.081569	9.663255	0.459928	6.02458	0.575754	-0.034179	29.640305	-0.260676	0.8641	4.879461
0	812.419133	2.339499	0.559555	0.792071	0.34117	0	8.083683	1	0.000084	0.329418	0.037698	0.018562	0.045245	0.00558	0.004994	0.603965	0	U_SYN_9916	0.408265	2.622549	0.52184	0	0.229373	0.027896	0.351549	0.019142	0	3.300281
0.050547	755.368706	7.387807	0.070575	0.693226	0.141172	0	-0.214246	0.94667	0.027969	0.343672	0.046909	0	0	0	-0.237703	0.276489	0	USER_006566	0.18851	15.183784	0.792011	0.953537	0.920898	0.032434	31.724286	-1.846182	0.904337	9.55297
1.179956	390.048577	2.34421	0.307827	0.638449	0.512733	3	7.499077	0.402877	0.410751	0.479962	0.112643	3	0	1	0.032753	0.16976	1	USER_005085	0.191798	1.06111	0.68434	8.775669	0.383009	0.160396	5.711278	1.683676	0.576714	4.771649
0	708.448879	1.32231	0.287619	0.908375	0.496043	3	9.506977	1	0.001012	0.167685	0.023116	0.655458	0.454677	0.491048	0.008064	0.545813	0	U_SYN_4243	0.408577	1.311328	0.457782	3	0.20222	0.105154	0.467267	0.33304	0	3.884331
1.729775	700.25054	6.530655	0	0.74531	0.134353	1	0.82818	0.755473	0.286801	0.604494	0.031417	0	0	0	0.07763	0.978837	1	USER_002072	0.018141	10.662388	0.190407	2.267617	2.048308	0.004939	28.266215	-0.397103	0.424647	7.069119
3.177642	607.682186	7.059227	0.225102	0.600123	0.374439	0	4.740247	0.671315	0.209728	0.269892	0.043005	2	0	0	0.139426	0.571567	1	USER_004816	0.155161	7.967257	0.6717	2.45822	4.317356	0.06836	22.079879	0.539069	0.14794	0.487852
0	738.99501	1.425061	0.208652	1.161336	0.296566	1	5.394772	1	0.003497	0.182394	0.031424	0.283725	0.15997	0.231492	0.006016	0.419332	0	U_SYN_13395	0.426005	1.129803	0.816924	1	0.136815	0.085979	0.334443	0.133108	0	2.298201
5	561.403743	1.365085	0.188514	1.067987	0.449341	1	8.408417	0.984035	0.001576	0.24262	0.058807	0.230457	0.183097	0.261071	0.008304	0.466007	0	U_SYN_4944	0.506663	1.16875	0.588097	1	0.128671	0.265856	0.497756	0.130452	0.355996	4.26023
18.78553	528.383008	4.449825	0.20077	0.844041	0.368133	1	4.861854	0.563076	0.275586	0.530467	0.378016	1	0	0	0.225255	0.92747	1	USER_002350	0.174579	4.138068	0.646676	1.744894	5.16141	0.102087	14.05849	0.266175	0.818098	5.476973
7	595.114614	2.321489	0.532236	0.349021	0.412872	3	7.242455	0.774552	0.005704	0.320987	0.026819	0.569617	0.45423	0.351705	0.008945	0.825489	0	U_SYN_5588	0.452069	5.17011	0.20492	5	0.219797	0.209501	0.448342	0.397333	0.162877	3.274088
0.539791	577.517749	5.009001	0.242777	0.878392	0.1706	2	3.271286	0.573827	0.158012	0.808338	0.41269	1	0	0	-0.110374	0.581363	1	USER_001241	0.091639	5.499221	0.680681	4.193935	1.803148	0.0454	20.772322	0.627452	0.719883	4.626537
2	667.695925	1.931903	0.841253	1.043496	0.225216	5	10	0.750715	0.000995	0.296499	0.071182	0.997107	0.799941	0.78755	0.006448	0.478252	1	U_SYN_10395	0.599505	1.68947	0.808485	5	0.414023	0.198713	0.06907	0.638828	0.139133	5.995052
0.607608	673.495259	6.08799	0.133802	0.874163	0.374372	2	1.531596	0.505224	-0.055813	0.499324	0.420566	0	0	0	-0.09417	0.120532	1	USER_004097	0.22145	9.477794	0.551932	3.222367	0.022429	0.071067	19.044076	-0.005179	0.466518	4.94551
5	738.292481	0.629137	0.594268	0.59443	0.354293	1	8.686366	1	0.008867	0.24909	0.053207	0.344751	0.220439	0.280702	0.003936	0.702785	0	U_SYN_4757	0.671463	0.905976	0.383828	1	0.815029	0.136377	0.090437	0.169557	0.198143	5.832576
0	791.209637	0.908831	0.145572	0.265478	0.406498	0	4.922567	0.944903	0.003124	0.271205	0.06946	0.078482	0.003422	0.115727	0.005185	0.867261	0	U_SYN_4380	0.295016	2.486693	0.157562	0	0.144298	0.031535	0.315658	0.04661	0	1.452238
0.830729	557.828877	3.987601	0.172528	0.788149	0.308846	1	5.670212	0.41472	0.248774	0.468341	0.079142	5	0	1	0.002124	0.786388	0	USER_007704	0.341787	2.960457	0.36484	7.284841	0.877583	0.181564	13.780228	0.956625	0.893975	2.086438
0	654.032121	9.537333	0.307279	1.379255	0.220863	0	7.231034	1	0.006753	1.058762	0.089664	0.018617	0.028742	0.132789	0.004285	0.310373	0	U_SYN_13472	0.388787	6.44739	1.074629	0	0.031884	0.138527	1.459176	0.014208	0	2.811334
7.816037	482.617668	2.988945	0.469286	0.582814	0.603857	3	3.318113	0.341131	0.314614	0.1344	0.373558	3	0	1	0.0625	0.463071	1	USER_007359	0.221643	1.241891	0.851573	8.036781	0.597248	0.14805	5.92025	-2.004054	0.821275	5.776141
1.694399	711.92176	9.325784	0.248269	0.849769	0.331266	0	2.741268	0.802261	0.09253	0.733329	0.254027	0	0	1	-0.00654	0.658612	0	USER_004956	0.19508	14.936222	0.94794	-1.591398	0.892921	0.048975	31.182355	0.449749	0.449929	1.361815
7	544.29835	1.149467	0.255833	0.430978	0.487249	3	6.898453	0.643242	0.000962	0.249843	0.055409	0.67642	0.453875	0.387751	0.005621	0.784511	0	U_SYN_12997	0.463014	2.16481	0.220984	5	0.204754	0.257353	0.41679	0.481792	0.201123	3.19408
0	689.411193	1.200937	0.70783	1.719855	0.27665	2	9.409342	1	0.008879	0.194549	0.092187	0.328853	0.386166	0.237668	0.003543	0.140073	0	U_SYN_5299	0.710055	0.659908	1.244057	2	0.544092	0.207322	0.09707	0.214506	0	6.681153
5	658.401019	2.555237	0.492864	0.73712	0.306796	0	5.895583	0.83898	0.004478	0.426602	0.062452	0.158701	0.017495	0.20999	0.005387	0.63144	0	U_SYN_1990	0.470606	3.052416	0.510974	0	0.18562	0.163941	0.397563	0.117267	0.245707	2.774497
0	714.293133	2.823639	0.330253	0.909406	0.478566	0	7.624721	1	0.00512	0.429232	0.009095	0.151516	0.085012	0.042487	0.006592	0.545297	0	U_SYN_12312	0.349365	2.797327	0.474195	0	0.11296	0.086202	0.905028	0.070958	0	2.663811
5	698.222936	0.746103	0.503491	0.740469	0.478234	1	7.882003	0.916597	0.001077	0.270579	0.009896	0.353462	0.239604	0.253193	0.007994	0.629765	0	U_SYN_12951	0.635519	0.887722	0.386352	1	0.595071	0.175377	0.17716	0.211281	0.246823	5.009164
3.021164	525.081018	5.167673	0.411142	0.847429	0.343487	2	5.244057	0.293615	0.169119	0.487612	0.161206	0	0	0	0.018662	0.894469	1	USER_002589	0.320857	4.129597	0.242057	3.355493	8.251472	0.18955	16.963222	0.162665	0.777269	6.505967
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7	600.00375	5.879555	0.444934	0.297924	0.471236	1	5.618793	0.678993	0.008854	0.631917	0.00734	0.19153	0.160582	0.177848	0.005114	0.851038	0	U_SYN_4971	0.366512	14.775563	0.157532	3	0.074409	0.166594	1.537897	0.234036	0.139031	2.059356
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10	702.189123	1.411283	0.877738	0.797474	0.549053	5	8.148072	0.605177	0.002263	0.240287	0.079516	0.937305	0.814128	0.677257	0.00868	0.601263	1	U_SYN_3476	0.755154	1.572506	0.359619	7	0.58079	0.202945	0.094737	0.683359	0.531649	6.153049
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7.127635	558.670176	5.86231	0.25482	0.840147	0.489828	0	4.200257	0.695127	0.262653	0.28794	0.442091	1	0	0	-0.047727	0.029391	0	USER_000114	0.365774	6.367949	0.868875	-0.202188	5.481732	0.193747	14.953943	-1.016344	0.74277	4.226309
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0	639.166612	1.933037	0.550442	1.16076	0.345461	3	10	1	0.005689	0.204094	0.096121	0.504606	0.491094	0.545149	0.006511	0.41962	0	U_SYN_3368	0.49566	1.533231	0.759763	3	0.270749	0.190003	0.30021	0.29871	0	4.956597
5	621.885627	2.055221	0.259203	1.938303	0.16762	0	7.080002	0.692627	0.003158	0.275739	0.098288	0.026847	0.00459	0.123138	0.002885	0.030848	0	U_SYN_11559	0.658219	1.0083	1.613405	0	0.120267	0.272999	0.255202	0.13238	0.646101	4.660194
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1.243863	633.70095	6.989356	0.081887	0.592202	0.06865	1	1.799677	0.617301	0.053549	0.12566	0.308464	1	0	1	0.173797	0.708008	0	USER_009559	-0.142322	9.689889	0.032171	3.296261	0.189906	-0.055971	32.547681	1.265508	0.573598	1.968569
12.360756	551.915482	5.343498	0.163608	0.677174	0.367446	1	4.789448	0.763205	0.107172	0.439676	0.335817	1	0	0	0.011266	0.339283	1	USER_006493	0.089705	6.711374	0.559599	4.119573	1.271246	0.048618	16.90025	0.740152	0.671661	0.026261
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5	850	0.595657	0.224303	0.286345	0.451905	2	7.588882	0.657476	0.001798	0.109565	0.040001	0.427256	0.344861	0.376235	0.006479	0.856827	0	U_SYN_11641	0.512058	1.541773	0.156944	2	0.322433	0	0.208803	0.368644	0.095448	3.885947
0	843.296318	7.825425	0.472751	1.454603	0.391247	0	8.731791	0.80898	0.006332	0.945117	0.054574	0.131199	0.034241	0.279092	0.008843	0.272699	0	U_SYN_8795	0.457981	5.033714	0.885494	0	0.05965	0.005582	1.614263	0.12604	0	3.998995
2.631349	611.511693	5.292626	0.206008	0.800809	0.288909	1	4.276577	0.616793	0.131097	0.512882	0.157545	0	0	0	-0.015105	0.01857	1	USER_009130	0.266104	6.492006	0.08147	3.626502	0.058117	0.115387	18.817692	0.001134	0.346034	0.576379
5	609.768998	4.198405	0.401363	0.893345	0.423545	0	7.446037	0.694005	0.005714	0.55609	0.084142	0.0395	0.020856	0.214985	0.005732	0.553328	0	U_SYN_126	0.445607	4.226533	0.514973	0	0.093375	0.194634	1.064504	0.140505	0.297782	3.318005
5	666.70431	0.87383	0.450372	0.980815	0.325556	4	8.37298	0.686518	0.003255	0.118435	0.0747	0.761244	0.6625	0.534772	0.003289	0.509592	1	U_SYN_5959	0.636649	0.808491	0.661505	4	0.462475	0.212173	0.156358	0.552516	0.326938	5.330653
0.469247	655.407066	5.005696	0.152939	0.743145	0.216533	3	4.602467	0.555973	0.410525	0.077459	0.132477	1	0	1	0.069311	0.131663	0	USER_005260	0.151917	5.354234	0.901281	8.379903	0.117871	0.053749	19.60899	0.993718	0.73002	8.818026
5	718.591112	3.833965	0.265722	0.656162	0.420356	0	6.948637	0.875787	0.009011	0.577849	0.029117	0.091138	0.074402	0.005878	0.008385	0.671919	0	U_SYN_13635	0.361788	5.070296	0.38034	0	0.067546	0.08644	1.183386	0.099347	0.218721	2.513935
0.818394	765.195611	8.097782	0	0.752616	0.200513	0	0.481416	0.943264	0.011261	0.044208	0.055869	0	0	0	0.158511	0.63737	0	USER_000343	-0.026295	14.217893	0.935757	0.389913	1.320267	-0.004054	32.370372	-1.154715	0.915415	1.684238
0	614.030733	6.083176	0.234876	1.000115	0.402238	0	6.994634	1	0.005267	0.794662	0.077153	0.09188	0.063146	0.260759	0.007095	0.499943	0	U_SYN_4451	0.302832	5.529584	0.597831	0	0.037986	0.129925	1.872169	0.046508	0	2.118196
0	598.436597	2.482453	0.145748	0.421772	0.579207	0	4.493044	1	0.002224	0.430517	0.099407	0.025135	0.083437	0.028353	0.007384	0.789114	0	U_SYN_7147	0.205524	4.757737	0.177479	0	0.056438	0.094004	1.228289	0.032572	0	0.92343
0.266205	537.526776	6.177327	0.205043	0.698732	0.342806	2	3.372442	0.558654	0.281655	0.049156	0.476545	1	0	0	0.156371	0.443282	1	USER_004915	0.174992	5.504903	0.764383	3.82942	0.398586	0.099419	20.298495	-0.26013	0.788481	5.64176
0	688.211717	4.556853	0.646655	1.462732	0.219119	0	9.432801	0.986197	0.007078	0.557117	0.023146	0.138887	0.040457	0.039407	0.00337	0.268634	0	U_SYN_827	0.52949	2.915953	1.142219	0	0.138861	0.155755	0.352813	0.059325	0	4.994577
6.345121	559.658604	6.708218	0.306531	0.65502	0.298751	2	2.984325	0.703022	0.347966	0.208721	0.027604	0	0	0	-0.025513	0.098312	1	USER_009547	0.038706	7.227114	0.694759	4.253127	2.93172	0.020433	23.52066	-0.399283	0.934678	6.0827
3.027699	607.023223	5.260125	0.13176	0.754503	0.189916	1	3.04662	0.766835	0.126913	0.029355	0.163675	2	0	0	-0.092272	0.894473	1	USER_002368	0.02685	5.620319	0.403717	4.71068	2.367195	0.011862	21.305724	1.575533	0.334437	8.371815
0	782.662164	5.051162	0.213648	0.648609	0.69069	0	6.142005	1	0.003066	0.615509	0.005946	0.116195	0.030417	0.085471	0.009101	0.675696	0	U_SYN_11473	0.232642	6.747399	0.200621	0	0.041476	0.028483	2.743413	0.043984	0	1.428891

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