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
2	819.800968	1.987691	0.699971	0.783395	0.299948	1	7.031304	0.77488	0.003507	0.274168	0.049374	0.333673	0.168532	0.281134	0.006523	0.608303	0	U_SYN_12199	0.50247	2.250059	0.548417	1	0.335285	0.027589	0.178879	0.240709	0.104453	3.533018
0	665.354798	1.437082	0.63883	1.124706	0.323038	2	8.330206	0.928474	0.008929	0.180346	0.098093	0.373415	0.379017	0.338877	0.00468	0.437647	0	U_SYN_7943	0.546707	1.17341	0.761383	2	0.415612	0.18354	0.167667	0.25434	0	4.554181
0	532.981292	2.997643	0.611283	1.060471	0.425169	0	6.792484	0.887636	0.002983	0.39989	0.032142	0.013705	0.098098	0.050987	0.008983	0.469765	0	U_SYN_12910	0.460044	2.583127	0.609592	0	0.197338	0.265168	0.495421	0.078486	0	3.124843
5	464.018482	10	0.648663	1.29815	0.164788	0	7.403161	0.677459	0.003289	1.160364	0.007148	0.152532	0.035841	0.22696	0.003038	0.350925	0	U_SYN_14369	0.574031	7.152308	1.08423	0	0.064224	0.402846	0.578962	0.185529	0.432717	4.249644
2.455085	523.46646	5.162716	0.2924	0.64171	0.367359	1	3.889561	0.480897	0.255427	0.695415	0.231498	0	0	2	-0.012684	0.450134	0	USER_005590	0.075462	4.038227	0.231909	1.849441	1.036838	0.044801	16.330719	-0.979537	0.34746	3.695014
0	627.760585	2.584939	0.118116	0.619068	0.568514	0	7.250446	0.780338	0.008347	0.412114	0.096609	0.176576	0.057194	0.025426	0.008348	0.690466	0	U_SYN_6371	0.233738	3.594845	0.267119	0	0.043992	0.094447	1.295995	0.157996	0	1.694704
0.244489	773.393102	11.908481	0.123648	0.421589	0.070445	0	1.400095	0.86252	-0.053285	0.310135	0.476473	0	0	0	0.366422	0.853118	0	USER_001616	0.0374	22.297301	0.808463	-1.279793	3.213516	0.005209	55.34793	0.48998	0.481182	5.922126
2	829.468895	1.181955	0.551294	0.579065	0.674211	1	7.080993	0.932348	0.001268	0.286299	0.006889	0.347383	0.224063	0.165625	0.008771	0.710467	0	U_SYN_8258	0.477213	1.740563	0.188653	1	0.430041	0.017814	0.357569	0.198495	0.077209	3.37914
2	652.796654	4.831272	0.768897	0.790842	0.459452	2	6.788425	0.940689	0.006095	0.661502	0.091813	0.444757	0.356846	0.343334	0.006435	0.604579	0	U_SYN_7561	0.469395	5.423266	0.427488	2	0.155923	0.168302	0.512989	0.264205	0.105446	3.186451
0	769.857367	4.755405	0.331928	0.490154	0.577479	0	6.597561	0.938479	0.001989	0.660989	0.080072	0.049521	0.039266	0.095192	0.008844	0.754923	0	U_SYN_9795	0.2388	8.05791	0.2071	0	0.068363	0.034797	1.834624	0.051244	0	1.575501
0	519.12217	1.572207	0.284212	2.218081	0.154185	3	10	1	0.000053	0.311988	0.065724	0.627177	0.527728	0.428579	0.002937	0	0	U_SYN_6168	0.648482	0.678236	1.876087	3	0.169962	0.390124	0.173514	0.346471	0	6.484822
0	512.823858	5.020895	0.303065	1.284726	0.550547	0	8.045835	1	0.00869	0.624751	0.092373	0.18774	0.024131	0.205363	0.010091	0.357637	0	U_SYN_11475	0.38692	3.625914	0.577423	0	0.059182	0.2372	1.926496	0.063561	0	3.113096
0	789.392453	2.082103	0.183388	0.52229	0.460591	0	5.572454	1	0.004933	0.22215	0.061052	0.137988	0.040656	0.06071	0.005924	0.738855	0	U_SYN_3596	0.251129	3.345871	0.281728	0	0.084042	0.027673	0.783129	0.053593	0	1.399406
10	731.748498	2.133857	0.567452	1.890602	0.27003	1	8.804133	0.490057	0.000806	0.367049	0.061739	0.222064	0.17434	0.250608	0.006591	0.054699	0	U_SYN_6288	0.837887	1.071966	1.380083	3	0.254023	0.180148	0.249237	0.322899	1.260402	7.376871
5	650.853762	9.111079	0.248672	0.403608	0.539325	0	6.731751	0.827733	0.008349	0.995	0.030631	0.168672	0.050916	0.056689	0.006461	0.798196	0	U_SYN_4632	0.277036	18.091602	0.185932	0	0.026997	0.10031	3.6919	0.134783	0.134536	1.864939
8.055896	606.964238	4.140069	0.132703	0.878329	0.352965	5	4.581315	0.550767	0.231301	0.310389	0.337378	3	0	1	-0.049267	0.391634	1	USER_000147	0.066221	3.726858	0.705717	13.668142	0.980545	0.029262	13.393839	0.771568	0.043098	0.522497
0.40837	676.737922	10.454065	0.233482	0.590699	0.243783	0	0.009243	0.898165	0.001227	0.782895	0.138261	0	0	0	-0.106706	0.259757	0	USER_001509	0.003863	17.818225	0.841314	1.759881	2.221328	0.001217	39.527722	0.471232	0.331199	0.171646
0	766.515712	1.67817	0.202176	0.212582	0.530815	3	5.938265	1	0.006859	0.225928	0.013902	0.608612	0.479449	0.429064	0.008147	0.893709	0	U_SYN_6229	0.215645	5.368727	0.09974	3	0.113699	0.032733	0.7107	0.326418	0	1.280555
2.75012	509.645581	4.254049	0.416096	0.885202	0.33422	4	4.715829	0.500535	0.419682	0.057264	0.028597	0	0	0	0.001259	0.725076	1	USER_002680	0.369392	3.343721	0.806079	9.748173	0.581178	0.228589	14.161306	-1.425311	0.587904	6.12048
3.825969	550.732756	3.674128	0.19776	0.683018	0.329212	1	4.962424	0.662775	0.359864	0.903786	0.028416	0	0	1	0.200029	0.117539	0	USER_003360	0.235979	3.006323	0.460175	1.67297	0.131543	0.128401	12.322799	2.174363	0.943176	7.69508
1.352506	671.670969	7.337119	0.016426	0.669044	0.337055	2	3.422294	0.648688	0.216706	0.618025	0.024926	1	0	0	-0.064126	0.989524	1	USER_009359	0.086249	9.767852	0.906939	5.169391	0.239743	0.027965	24.320543	1.13716	0.645836	6.841221
0	805.324719	6.793428	0.265771	1.079828	0.353046	0	7.455192	1	0.004685	0.86626	0.076557	0.158992	0.055309	0.066772	0.003965	0.460086	0	U_SYN_10267	0.32471	5.75798	0.698599	0	0.038554	0.026375	1.760968	0.06429	0	2.420777
0	717.83772	7.211147	0.266554	2.038003	0.089787	0	8.97325	0.992066	0.005877	0.83654	0.096394	0.038425	0.038917	0.126098	0.004446	0	0	U_SYN_12772	0.514922	3.372842	1.855018	0	0.036459	0.123733	0.474882	0.026376	0	4.620526
0	600.873697	7.001514	0.26258	1.215713	0.392467	0	6.792195	0.969775	0.00978	0.871014	0.089047	0.155065	0.020074	0.267499	0.008642	0.392143	0	U_SYN_5750	0.35008	5.321458	0.738586	0	0.036975	0.158571	2.026332	0.064631	0	2.377809
0	721.373522	5.506173	0.435097	0.869879	0.473723	0	5.572931	0.989959	0.007158	0.63221	0.080158	0.093673	0.000984	0.203454	0.009061	0.56506	0	U_SYN_8152	0.34018	5.677173	0.457798	0	0.07761	0.079557	1.473493	0.032414	0	1.895799
0	544.580097	5.322598	0.640757	0.590756	0.573316	0	7.797498	1	0.003888	0.71028	0.07946	0.131892	0.009689	0.113311	0.009454	0.704622	0	U_SYN_13503	0.347261	7.705463	0.252066	0	0.118164	0.192837	1.096242	0.042474	0	2.707767
0	850	3.725877	0.098138	0.564594	0.68007	0	5.785658	0.93876	0.001991	0.568953	0.026945	0.067606	0.099621	0.142128	0.010472	0.717703	0	U_SYN_3086	0.194636	5.606246	0.180631	0	0.025651	0	2.285189	0.074664	0	1.126095
10	801.128312	1.672545	0.810609	1.595901	0.277136	5	10	0.625147	0.005654	0.352202	0.025343	0.918276	0.804596	0.578349	0.003317	0.20205	1	U_SYN_1906	0.875195	0.986228	1.153619	7	0.457314	0.077768	0.087787	0.666803	1.063934	8.751949
0	541.524357	2.134783	0.28207	1.540673	0.442273	0	8.375761	1	0.004966	0.315447	0.03033	0.051264	0.059027	0.13548	0.00461	0.229664	0	U_SYN_6882	0.48225	1.301163	0.859275	0	0.126218	0.270477	0.677838	0.033087	0	4.039208
0.124906	640.403226	6.679202	0.348855	0.61595	0.376524	1	3.146522	0.519968	0.098495	0.003487	0.078056	0	0	1	0.017055	0.403781	1	USER_009981	0.040474	8.040855	0.588425	2.253824	2.481584	0.015424	20.821599	0.426969	0.22127	6.701636
0	806.968568	0.7655	0.651365	1.076505	0.539256	0	5.961327	1	0.005358	0.156022	0.008199	0.155425	0.007986	0.017408	0.009708	0.461747	0	U_SYN_7673	0.641791	0.650656	0.495993	0	0.752587	0.050213	0.143917	0.049023	0	3.825924
1.181082	523.45778	3.892879	0.27418	0.729712	0.476957	1	4.921429	0.180668	0.372452	0.865375	0.400587	4	0	2	-0.048224	0.612409	1	USER_004729	0.165655	2.460712	0.496053	6.572886	0.64578	0.098351	10.180718	0.592095	0.499075	5.56561
0	821.352973	2.692756	0.236438	1.342621	0.310254	0	9.125046	1	0.002097	0.308196	0.074791	0.169595	0.095455	0.177163	0.0077	0.32869	0	U_SYN_8172	0.411069	1.866572	0.926068	0	0.084661	0.021411	0.637908	0.079515	0	3.751027
10.207444	523.168104	4.887103	0.036709	0.678615	0.293194	2	4.84713	0.685713	0.353106	0.138717	0.301365	1	0	1	0.023688	0.382267	1	USER_009293	-0.117642	4.129326	0.099251	5.173904	1.945515	-0.069907	17.271178	0.275554	0.669813	1.549144
0	553.442499	1.778041	0.447472	3.430058	0	3	10	0.956912	0.003517	0.267283	0.055702	0.582771	0.472502	0.336173	0.003105	0	0	U_SYN_5870	0.926747	0.503686	3.430058	3	0.238266	0.499698	0	0.333817	0	9.267473
0.3067	692.368009	0	0.584623	0.902965	0.18354	2	5.632612	0.809178	0.221201	0.419865	0.460088	0	2	0	-0.003844	0.943017	1	USER_007890	0.535306	0.283212	0.607995	3.415051	1.060679	0.153421	0	0.184789	0.570785	6.330072
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0.50315	616.340786	5.943086	0.159577	0.82888	0.179536	2	2.053484	0.64477	0.24427	0.017816	0.203059	0	0	0	0.133763	0.649291	0	USER_002302	0.091823	8.211943	0.504148	4.129111	0.223747	0.03901	24.380451	2.649727	0.810153	5.917645
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0	641.184513	2.539855	0.352323	0.487897	0.411062	0	3.297315	0.934171	0.005913	0.418248	0.024344	0.004635	0.045949	0.225888	0.007745	0.756051	0	U_SYN_5126	0.279038	4.320236	0.287341	0	0.133463	0.105941	0.6762	0.041507	0	0.920076
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0	626.546741	4.125479	0.219693	0.142192	0.651503	0	5.294034	1	0.000512	0.50969	0.084735	0.088397	0.060059	0.212481	0.009054	0.928904	0	U_SYN_13716	0.141678	17.033903	0.049554	0	0.051992	0.057561	2.097281	0.044537	0	0.750049
1.933179	693.403025	6.234438	0.220809	0.806531	0	0	2.362232	0.752219	-0.03528	0.932114	0.001464	0	0	1	-0.138102	0.200172	0	USER_008061	0.083084	8.610721	0.268607	1.242113	0.308875	0.023656	31.172192	0.067524	0.333336	8.591114
0	787.096276	5.971353	0.194498	1.197855	0.554353	0	7.622117	0.926496	0.004578	0.771785	0.011511	0.055997	0.002776	0.136726	0.006243	0.401072	0	U_SYN_3900	0.330862	4.600939	0.533821	0	0.032035	0.037841	2.666401	0.047034	0	2.52187
8.310747	656.775682	8.807341	0.098443	0.606339	0.192057	1	1.782918	0.621461	0.164166	0.966907	0.112491	2	0	2	0.218911	0.58792	0	USER_009551	-0.039787	13.405058	0.354372	4.693088	1.08797	-0.013978	35.579151	0.285142	0.369044	0.871074
0	464.864129	5.858794	0.115117	0.602112	0.555903	0	5.592066	0.944629	0.00722	0.615575	0.037384	0.102791	0.08047	0.07452	0.007445	0.698944	0	U_SYN_12891	0.188521	8.344525	0.267396	0	0.019319	0.132012	2.881993	0.077127	0	1.054225
3.688973	640.550033	1.333839	0.694362	0.849517	0.253368	1	6.117844	0.734188	0.066378	0.464614	0.338989	0	2	0	0.005816	0.073285	1	USER_006969	0.541184	1.512155	0.437894	2.799767	5.334555	0.206093	4.979431	-0.272221	0.698519	1.850798
2.469644	553.309983	5.082188	0.425409	0.623054	0.214975	3	3.372773	0.474194	0.482505	0.318441	0.210995	1	0	3	0.068265	0.947917	1	USER_006508	0.230397	4.367245	0.624798	6.112793	0.241097	0.124284	19.94821	-0.323226	0.21405	5.52258
1.996253	637.135645	8.057063	0.146197	0.911358	0.324564	1	3.584433	0.600821	0.099229	0.299975	0.194062	1	0	0	-0.102357	0.296382	0	USER_008954	0.020114	10.489052	0.781443	1.381823	3.135413	0.007785	27.210137	0.014381	0.386223	7.649201
10	772.183491	3.795403	0.624182	2.341581	0.138598	0	10	0.619755	0.00569	0.4132	0.028006	0.051469	0.075052	0.1214	0.003166	0	1	U_SYN_11314	0.906913	1.554486	2.017042	2	0.160235	0.128314	0.197694	0.190054	1.561054	9.069133
0.389921	763.222163	8.67574	0	0.612694	0.137561	1	1.897089	0.841165	-0.144241	0.737586	0.479619	1	0	0	-0.010231	0.181215	0	USER_008161	-0.049868	15.965659	0.738909	1.726667	4.037126	-0.007868	37.411461	-0.689452	0.223852	4.339177
2	726.176973	10	0.317341	0.239251	0.491061	0	5.177262	0.870945	0.005558	1.028112	0.048541	0.042326	0.074581	0.057695	0.005896	0.880375	0	U_SYN_10161	0.202854	29.476714	0.121764	0	0.03142	0.045669	3.352275	0.086694	0.0319	1.05023
0.085745	667.244196	5.727112	0.309488	0.882445	0.25097	0	2.260792	0.904504	0.117537	0.641492	0.129187	1	0	0	-0.028045	0.95948	1	USER_002055	0.367694	8.777517	0.163776	1.745881	1.397201	0.122179	21.448882	1.00096	0.842904	4.568834
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0	541.048659	5.280239	0.141518	0.70767	0.380239	0	6.361976	1	0.006112	0.672731	0.084202	0.001116	0.063296	0.018352	0.005018	0.646165	0	U_SYN_666	0.221163	6.537619	0.438586	0	0.026303	0.124234	1.72362	0.019324	0	1.407031
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7	699.95008	4.644887	0.890192	0.947823	0.484099	1	7.806265	0.780478	0.00889	0.568636	0.007758	0.325322	0.220471	0.143997	0.005051	0.526088	0	U_SYN_9911	0.638773	4.432891	0.488984	3	0.187611	0.174269	0.246912	0.251546	0.442318	4.986431
0	799.994009	3.061585	0.480243	0.449082	0.396654	0	5.884708	1	0.008913	0.429719	0.083003	0.188024	0.069976	0.188269	0.004363	0.775459	0	U_SYN_12647	0.297149	5.575824	0.270952	0	0.151899	0.027017	0.631188	0.0774	0	1.748633
0.448896	590.779645	6.755412	0.170394	0.702659	0.503144	2	4.618331	0.462781	0.124829	0.964117	0.20802	0	0	0	0.028521	0.410516	1	USER_009071	0.030736	7.597918	0.440383	4.458013	0.55166	0.014486	16.782325	-1.189077	0.684119	6.489733

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