Hugging Face's logo

Datasets:
yonathanarbel
/
Credit_Card_Agreements

Dataset card Files
xet
Community
Credit_Card_Agreements / README.md
yonathanarbel's picture
yonathanarbel
Rename README.MD to README.md
a64b07b verified
preview code
|
raw
history blame contribute delete
3.8 kB

Credit Card Agreements Dataset

This repository contains a comprehensive collection of credit card agreements from various issuers, as maintained by the Consumer Financial Protection Bureau (CFPB). It represents one of the largest publicly available datasets of credit card agreements to date.

If you find this dataset useful, please cite:

Arbel, Yonathan A., The Readability of Contracts: Big Data Analysis, Forthcoming J. Empirical Legal Stud. 21:4 (Dec. 2024)

For the latest version of the paper, please visit: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4962098

Dataset Overview

The dataset consists of two main ZIP files:

  1. CC_Agreements_TXT_2011-2023.zip: The most recent collection of agreements, covering 2011-2023.

    • Total files: 106,277
    • Main directory: 102,658 files
    • NonEnglish: 3,612 files
    • Outliers: 6 files
    • Outliers/outliers: 1 file

  2. CC_Agreements_TXT_2011-2022.zip: An earlier version of the agreements, covering 2011-2022.

    • Total files: 98,886
    • CC_Agreements_TXT: 95,267 files
    • CC_Agreements_TXT/NonEnglish: 3,612 files
    • CC_Agreements_TXT/Outliers: 6 files
    • CC_Agreements_TXT/Outliers/outliers: 1 file

Each ZIP file contains text versions of credit card agreements from various issuers.

Note: The 2011-2022 file underwent a more rigorous testing process during the PDF to text conversion, potentially resulting in higher quality text output. The 2011-2023 file, while more comprehensive and up-to-date, may have some inconsistencies due to a less stringent conversion process.

File Structure

The agreements are organized into the following directories:

  • Main directory: Contains the majority of the agreements
  • NonEnglish: Agreements in languages other than English
  • Outliers: Agreements that may have unusual characteristics
  • Outliers/outliers: A single file with potentially extreme characteristics

Usage

This dataset can be used for various research purposes, including but not limited to:

  • Analysis of credit card agreement terms and conditions
  • Comparative studies of different issuers' policies
  • Natural language processing tasks on financial documents
  • Consumer rights and protection research
  • Analysis of non-English credit card agreements

Data Format

Each file within the ZIP archives is a plain text document (.txt) containing a credit card agreement. The agreements are organized by issuer and year.

Accessing the Data

To access the data:

  1. Download the desired ZIP file.
  2. Extract the contents using a ZIP extraction tool.
  3. Navigate through the directory structure to find specific agreements.

Citation

If you use this dataset in your research, please cite it as follows:

Arbel, Yonathan A., The Readability of Contracts: Big Data Analysis, Forthcoming J. Empirical Legal Stud. 21:4 (Dec. 2024)

For the latest version of the paper, please visit: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4962098

Please also cite the original source:

Consumer Financial Protection Bureau. (n.d.). Credit card agreement database. Retrieved from https://www.consumerfinance.gov/credit-cards/agreements/

Disclaimer

This dataset is derived from public CFPB data. While efforts have been made to ensure accuracy, users should verify critical information against the original CFPB database. The maintainers of this dataset are not responsible for any errors or omissions.

Contributing

If you find any issues or have suggestions for improvements, please open an issue or submit a pull request.

License

This dataset is provided under the MIT license.

Contact

For questions or further information about this dataset, please contact yaarbel@ua.edu