Datasets:

quailrobot
/

credit-risk-v1-sample

loan_id string	origination_month string	amount float64	term_months int64	purpose string	grade string	interest_rate float64	annual_income float64	employment_type string	employment_years float64	housing string	age_band string	dti float64	credit_history_years float64	revolving_utilisation float64	inquiries_6m int64	past_delinquencies_2y int64	open_accounts int64	default_ever int64	months_to_default float64	loss_given_default float64	default_12m int64
LN0000010	2023-03	17,200	36	car	D	14.97	91,300	salaried	10.6	mortgage	65+	0.188	4.8	0.411	0	0	10	0	null	null	0
LN0000019	2023-01	5,900	12	debt_consolidation	C	11.51	50,700	salaried	5.7	rent	18-25	0.238	11	0.207	1	0	8	0	null	null	0
LN0000045	2023-01	12,500	12	debt_consolidation	D	15.11	59,000	salaried	4.6	mortgage	46-55	0.264	6.2	0.296	1	0	7	0	null	null	0
LN0000060	2023-03	7,300	24	debt_consolidation	A	5.82	61,700	salaried	9.4	own	18-25	0.174	8.5	0.757	0	0	5	0	null	null	0
LN0000063	2023-01	18,600	36	debt_consolidation	A	6.76	49,900	salaried	10.8	mortgage	18-25	0.157	10.2	0.274	0	0	8	0	null	null	0
LN0000069	2023-01	17,500	24	debt_consolidation	D	16.04	66,400	salaried	8.6	own	56-65	0.249	7.2	0.111	3	0	10	0	null	null	0
LN0000077	2023-01	4,000	24	credit_card	F	24.19	81,200	unemployed_benefits	1.2	rent	65+	0.077	7.4	0.722	2	0	5	0	null	null	0
LN0000083	2023-01	11,500	36	debt_consolidation	A	6.84	46,100	salaried	12.5	own	65+	0.147	8.7	0.281	2	0	4	0	null	null	0
LN0000093	2023-01	2,100	36	medical	C	12.12	65,400	salaried	11.5	rent	36-45	0.057	8.7	0.019	1	1	12	1	7	0.79	1
LN0000098	2023-01	18,000	36	credit_card	B	8.7	42,600	self_employed	3.9	own	56-65	0.227	4.2	0.334	0	0	9	0	null	null	0
LN0000105	2023-01	10,000	36	credit_card	D	15.14	57,600	salaried	1.1	mortgage	56-65	0.132	2.3	0.264	3	2	5	0	null	null	0
LN0000108	2023-01	12,600	36	credit_card	C	12.04	66,000	unemployed_benefits	3.8	rent	26-35	0.131	19.1	0.088	2	0	4	0	null	null	0
LN0000112	2023-01	9,300	12	credit_card	A	6.1	83,900	salaried	10	rent	36-45	0.148	9.1	0.179	2	0	9	0	null	null	0
LN0000114	2023-01	29,500	36	credit_card	E	18.92	88,500	salaried	2.8	rent	36-45	0.13	7.8	0.702	2	1	7	0	null	null	0
LN0000127	2023-03	9,900	24	small_business	B	8.31	51,700	salaried	9	rent	26-35	0.167	3	0.364	0	0	5	0	null	null	0
LN0000130	2023-01	8,900	36	debt_consolidation	C	13.02	93,700	contract	12.6	mortgage	26-35	0.105	9.3	0.224	2	0	2	0	null	null	0
LN0000146	2023-01	5,900	36	car	B	8.71	28,200	salaried	8.6	rent	36-45	0.21	7.1	0.299	1	0	9	0	null	null	0
LN0000152	2023-01	7,400	12	debt_consolidation	B	9.99	132,700	self_employed	1.9	mortgage	36-45	0.07	4.6	0.296	2	0	8	0	null	null	0
LN0000160	2023-03	14,600	24	debt_consolidation	A	6.25	191,700	self_employed	12.7	rent	18-25	0.06	7.2	0.37	1	0	8	0	null	null	0
LN0000161	2023-01	9,900	36	debt_consolidation	C	10.83	69,500	salaried	4	mortgage	46-55	0.098	5	0.153	0	0	8	0	null	null	0
LN0000175	2023-01	28,300	36	debt_consolidation	E	18.46	55,900	salaried	12.8	mortgage	18-25	0.402	2.4	0.369	0	0	7	1	6	0.465	1
LN0000185	2023-03	4,300	36	home_improvement	A	4.79	56,100	salaried	3.8	own	46-55	0.19	9.3	0.355	0	0	6	0	null	null	0
LN0000202	2023-01	13,500	36	debt_consolidation	C	11.85	102,600	salaried	9	mortgage	26-35	0.187	4.3	0.423	3	0	8	0	null	null	0
LN0000204	2023-01	7,500	24	car	A	6.25	29,800	salaried	9.2	rent	26-35	0.188	6	0.5	0	0	3	0	null	null	0
LN0000213	2023-01	4,600	36	small_business	C	11.54	72,500	salaried	12.6	rent	36-45	0.051	3.3	0.199	1	0	6	0	null	null	0
LN0000230	2023-01	5,800	12	other	C	12.57	156,000	self_employed	3.6	rent	26-35	0.063	11.1	0.302	2	0	9	0	null	null	0
LN0000234	2023-01	6,200	12	medical	C	12.23	66,800	salaried	3.2	rent	36-45	0.143	16	0.166	2	0	3	1	12	0.753	1
LN0000236	2023-01	6,500	24	home_improvement	D	14.21	26,900	salaried	2.6	mortgage	36-45	0.336	16.4	0.384	0	1	10	0	null	null	0
LN0000247	2023-01	9,100	36	debt_consolidation	A	7.28	57,500	salaried	4.5	rent	56-65	0.078	13	0.003	2	1	8	0	null	null	0
LN0000248	2023-01	15,700	24	other	B	8.88	131,500	self_employed	4.2	mortgage	26-35	0.093	16.4	0.176	3	0	6	0	null	null	0
LN0000260	2023-03	7,800	12	debt_consolidation	C	11.65	121,900	salaried	3.2	own	65+	0.076	4	0.535	0	0	3	0	null	null	0
LN0000271	2023-01	14,000	12	debt_consolidation	B	8.76	71,700	self_employed	14.2	rent	36-45	0.223	14.4	0.21	3	0	3	0	null	null	0
LN0000273	2023-01	5,400	24	debt_consolidation	A	7.07	50,400	salaried	3	rent	46-55	0.25	9.5	0.131	0	1	8	0	null	null	0
LN0000278	2023-03	11,600	24	small_business	A	6.5	48,500	salaried	12	rent	26-35	0.224	16.2	0.508	3	0	4	0	null	null	0
LN0000296	2023-01	17,000	24	home_improvement	D	15.13	79,400	salaried	4	rent	36-45	0.215	11.4	0.562	1	0	5	0	null	null	0
LN0000306	2023-01	3,300	36	debt_consolidation	C	11	25,300	self_employed	6.1	mortgage	46-55	0.129	10	0.316	2	1	7	0	null	null	0
LN0000328	2023-01	2,400	24	car	B	8.54	56,000	self_employed	5.5	rent	26-35	0.095	3.3	0.419	2	0	3	0	null	null	0
LN0000329	2023-01	19,800	24	debt_consolidation	B	8.87	122,000	contract	9.4	own	56-65	0.158	11.3	0.351	0	0	12	0	null	null	0
LN0000334	2023-01	10,700	12	debt_consolidation	D	15.89	55,000	contract	10.3	own	36-45	0.244	11.4	0.119	2	1	7	0	null	null	0
LN0000335	2023-03	15,400	24	debt_consolidation	B	9.8	142,200	salaried	1.9	mortgage	18-25	0.108	18.2	0.495	1	0	4	0	null	null	0
LN0000338	2023-01	15,100	12	debt_consolidation	C	12.55	79,800	salaried	4.8	rent	65+	0.274	4.3	0.352	1	0	8	0	null	null	0
LN0000339	2023-01	13,000	36	debt_consolidation	A	5.7	58,800	salaried	3.2	mortgage	26-35	0.159	16.3	0.309	1	0	3	0	null	null	0
LN0000343	2023-03	21,800	36	credit_card	F	23.66	86,800	salaried	24.1	rent	36-45	0.167	7.7	0.097	6	1	5	1	6	0.462	1
LN0000363	2023-01	12,800	12	home_improvement	B	8.53	67,700	salaried	11.6	rent	56-65	0.199	7.6	0.433	0	0	9	0	null	null	0
LN0000369	2023-01	10,000	36	credit_card	A	6.77	52,800	salaried	3.3	own	36-45	0.114	19.5	0.152	0	0	3	1	3	0.456	1
LN0000379	2023-03	9,500	36	home_improvement	C	12.93	214,600	salaried	6.1	rent	26-35	0.06	11.4	0.465	0	1	8	0	null	null	0
LN0000382	2023-03	19,800	36	debt_consolidation	C	13.12	103,100	salaried	6.3	rent	65+	0.191	4.4	0.363	3	0	7	0	null	null	0
LN0000383	2023-03	9,600	12	credit_card	A	6.74	218,900	self_employed	4.2	rent	46-55	0.096	12.6	0.321	0	0	8	0	null	null	0
LN0000395	2023-01	11,600	12	credit_card	A	6.31	80,700	salaried	13.7	rent	36-45	0.158	9.9	0.217	1	0	5	0	null	null	0
LN0000399	2023-01	12,500	12	credit_card	F	23.92	49,600	contract	7.5	mortgage	46-55	0.335	5.1	0.328	3	0	6	0	null	null	0
LN0000415	2023-01	22,800	24	debt_consolidation	E	18.62	143,100	unemployed_benefits	2.1	mortgage	26-35	0.136	2.1	0.344	3	0	6	1	5	0.684	1
LN0000438	2023-03	16,900	36	debt_consolidation	D	14.66	82,100	self_employed	13.2	mortgage	56-65	0.141	7.7	0.313	0	1	3	0	null	null	0
LN0000439	2023-03	13,200	36	debt_consolidation	C	12.16	27,800	self_employed	10.3	mortgage	36-45	0.339	22.8	0.687	1	0	3	0	null	null	0
LN0000443	2023-03	17,100	36	car	B	8.86	44,200	salaried	1.5	own	46-55	0.159	10	0.538	0	0	11	0	null	null	0
LN0000450	2023-03	14,700	12	debt_consolidation	F	22.48	70,800	salaried	12.4	mortgage	26-35	0.277	8.3	0.878	1	0	8	0	null	null	0
LN0000465	2023-01	32,200	24	credit_card	C	11.63	73,100	salaried	5.2	rent	36-45	0.234	4.8	0.393	0	0	11	0	null	null	0
LN0000470	2023-01	4,300	12	debt_consolidation	B	9.04	92,600	salaried	6.6	rent	18-25	0.141	6.2	0.426	0	0	8	0	null	null	0
LN0000482	2023-01	8,100	24	debt_consolidation	C	12.05	54,200	self_employed	1.9	mortgage	26-35	0.154	5.3	0.371	1	1	8	0	null	null	0
LN0000488	2023-01	6,800	12	small_business	A	6.99	54,100	salaried	8.2	mortgage	36-45	0.17	24.4	0.381	0	0	2	0	null	null	0
LN0000493	2023-01	11,000	24	debt_consolidation	B	8.99	118,800	salaried	1.5	rent	26-35	0.11	11.4	0.403	1	0	3	0	null	null	0
LN0000502	2023-01	8,400	24	debt_consolidation	C	12.26	40,800	self_employed	5.6	mortgage	18-25	0.284	13.9	0.526	1	0	11	1	24	0.401	0
LN0000506	2023-01	29,100	24	credit_card	F	22.91	51,000	salaried	3.1	rent	36-45	0.413	10.9	0.089	0	0	3	1	15	0.802	0
LN0000523	2023-03	5,600	36	debt_consolidation	A	6.3	84,600	salaried	1.3	mortgage	36-45	0.042	18.9	0.469	0	0	4	0	null	null	0
LN0000528	2023-03	39,200	24	other	E	19.39	174,100	salaried	1.2	mortgage	26-35	0.139	6.1	0.096	1	0	10	0	null	null	0
LN0000541	2023-03	12,400	24	credit_card	A	6.54	103,100	salaried	3.7	rent	56-65	0.081	15.9	0.566	2	0	6	0	null	null	0
LN0000544	2023-01	13,300	36	debt_consolidation	A	5.25	81,500	self_employed	8.2	rent	26-35	0.139	9.6	0.247	1	0	5	0	null	null	0
LN0000551	2023-01	9,400	36	debt_consolidation	B	9.16	92,400	salaried	6.4	rent	36-45	0.048	3.5	0.518	1	2	6	0	null	null	0
LN0000552	2023-03	22,400	36	car	D	15.3	47,700	self_employed	2.3	mortgage	46-55	0.474	14	0.615	2	0	6	0	null	null	0
LN0000564	2023-01	7,100	36	car	E	19.63	28,200	contract	2	rent	26-35	0.202	2.6	0.218	1	0	6	0	null	null	0
LN0000567	2023-03	18,400	36	credit_card	B	9.52	45,900	self_employed	4.2	mortgage	46-55	0.251	19.3	0.462	1	0	5	0	null	null	0
LN0000581	2023-01	5,900	12	other	C	12.17	46,100	salaried	1	mortgage	36-45	0.141	21.1	0.552	1	1	10	0	null	null	0
LN0000588	2023-01	23,200	24	car	B	7.73	53,700	salaried	4	own	18-25	0.353	14.1	0.098	3	0	4	0	null	null	0
LN0000591	2023-01	19,500	12	car	G	27.3	23,400	salaried	4.5	mortgage	26-35	1.251	6	0.425	0	0	7	1	12	0.428	1
LN0000592	2023-01	19,400	36	credit_card	A	7.19	91,400	salaried	3.9	rent	26-35	0.105	12.9	0.113	1	0	9	0	null	null	0
LN0000593	2023-01	8,200	24	debt_consolidation	B	9.18	49,400	salaried	4	rent	36-45	0.301	14	0.158	2	0	6	0	null	null	0
LN0000598	2023-01	7,300	36	car	D	15.21	30,700	salaried	14.5	rent	26-35	0.103	13.4	0.63	2	0	10	0	null	null	0
LN0000603	2023-01	11,400	36	credit_card	B	8.76	30,500	salaried	18.8	mortgage	26-35	0.214	4.2	0.188	3	0	6	0	null	null	0
LN0000620	2023-01	14,200	24	debt_consolidation	E	19.12	80,000	salaried	13.8	rent	26-35	0.18	3.3	0.24	4	0	6	1	5	0.541	1
LN0000630	2023-03	9,800	36	credit_card	D	15.46	69,700	salaried	0.6	mortgage	26-35	0.146	1.3	0.766	2	0	5	1	12	0.471	1
LN0000648	2023-01	5,200	24	home_improvement	A	6.52	44,900	salaried	1.1	own	26-35	0.096	13.2	0.609	2	0	10	1	6	0.606	1
LN0000650	2023-01	8,400	36	credit_card	B	8.93	37,500	salaried	2.9	rent	36-45	0.199	10.2	0.319	1	0	11	0	null	null	0
LN0000653	2023-01	9,900	24	debt_consolidation	D	15.39	32,100	unemployed_benefits	5.2	mortgage	26-35	0.354	9.7	0.416	2	0	11	1	9	0.554	1
LN0000659	2023-01	19,600	24	debt_consolidation	C	13.31	35,800	salaried	2.1	rent	26-35	0.368	25	0.208	0	0	10	0	null	null	0
LN0000665	2023-01	16,500	24	car	F	23.11	58,400	unemployed_benefits	8.1	mortgage	46-55	0.314	6.6	0.139	0	0	9	0	null	null	0
LN0000670	2023-03	46,600	36	medical	D	16.66	94,700	salaried	15.9	mortgage	56-65	0.18	8.9	0.267	1	0	8	0	null	null	0
LN0000674	2023-01	29,300	24	debt_consolidation	E	19.91	280,400	unemployed_benefits	11.1	rent	18-25	0.084	3.5	0.178	3	0	9	0	null	null	0
LN0000678	2023-01	11,300	36	medical	E	20.33	50,200	salaried	4.1	rent	46-55	0.236	4.8	0.44	1	2	3	0	null	null	0
LN0000679	2023-01	32,900	24	home_improvement	B	8.55	83,800	salaried	15.3	own	26-35	0.321	20.5	0.442	0	1	7	0	null	null	0
LN0000686	2023-01	15,000	24	debt_consolidation	G	26.42	25,500	salaried	2.7	rent	36-45	1.026	23.4	0.375	0	0	9	0	null	null	0
LN0000703	2023-01	5,700	36	debt_consolidation	D	15.52	27,900	self_employed	4.6	mortgage	26-35	0.254	3.5	0.218	3	0	3	0	null	null	0
LN0000709	2023-01	27,200	12	credit_card	G	28.43	44,000	contract	8.9	rent	56-65	0.758	4.2	0.16	2	0	3	0	null	null	0
LN0000710	2023-01	13,800	36	debt_consolidation	D	15.01	20,600	salaried	0.6	mortgage	36-45	0.649	2.4	0.335	0	0	9	0	null	null	0
LN0000711	2023-03	7,500	24	debt_consolidation	E	20.01	36,000	salaried	6.3	mortgage	26-35	0.289	5.9	0.327	2	1	9	0	null	null	0
LN0000723	2023-01	20,000	24	debt_consolidation	E	18.52	75,300	salaried	5.4	rent	46-55	0.307	18.7	0.681	0	2	3	0	null	null	0
LN0000730	2023-01	10,300	36	other	C	12.24	53,500	salaried	12.5	mortgage	36-45	0.188	5.6	0.267	0	1	2	0	null	null	0
LN0000734	2023-01	43,500	24	small_business	E	17.92	69,400	contract	2.3	rent	46-55	0.365	7.4	0.218	1	0	5	1	18	0.575	0
LN0000736	2023-01	28,500	24	debt_consolidation	B	8.82	77,000	self_employed	6.4	mortgage	65+	0.265	15.4	0.239	0	0	4	0	null	null	0
LN0000766	2023-03	29,900	24	medical	D	15.56	92,200	self_employed	1.5	mortgage	26-35	0.209	5.4	0.155	2	1	4	0	null	null	0
LN0000767	2023-01	10,900	36	credit_card	F	23.22	71,200	salaried	4	mortgage	26-35	0.116	7.5	0.715	1	1	5	0	null	null	0
LN0000772	2023-03	5,500	24	car	A	5.9	176,000	salaried	5.2	own	56-65	0.039	4.2	0.307	0	0	9	0	null	null	0

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QM Synthetic Consumer Credit Risk (Loan Default) - Free Sample

Buy the full commercial edition: $5 USD -> Polar checkout, instant download
This free sample is non-commercial (CC BY-NC-SA 4.0). The paid full edition has a commercial licence.

Summary

Synthetic consumer loans with default, time-to-default and loss labels, for PD / LGD modelling, scorecards and credit-model validation; the paid full edition can be used commercially.

Best for: PD / LGD and scorecard prototyping, vintage-drift monitoring, teaching, fairness-testing pipelines
Not for: real lending decisions

Quick start

from datasets import load_dataset
ds = load_dataset("quailrobot/credit-risk-v1-sample", split="train")  # main table: loans_sample.csv
# pandas alternative: pd.read_csv("hf://datasets/quailrobot/credit-risk-v1-sample/loans_sample.csv")

Facts

Task: tabular classification (default) + survival / regression (months_to_default, loss_given_default)
Labels: default_ever (rate 0.1154), default_12m (rate 0.0722), months_to_default, loss_given_default
Full edition size: 300,000 loans, 24 monthly vintages, 12/24/36-month terms (zip 11.6 MB)
Free sample size: 37,342 loans
Format: full: Parquet + gzipped CSV; sample: CSV
What's included (full edition): loans.parquet, loans.csv.gz, stats.json, README.md, LICENSE.txt
Price: $5 USD; checkout may display the equivalent in your local currency
Buy URL (primary): https://buy.polar.sh/polar_cl_yGbhg1U008yQ3CrFjsfWsr27YndWE7Vs4wIsU3t32pA
Licence (full edition): LicenseRef-QuailModel-Commercial (commercial use allowed, no resale of the data)
Licence (free sample): CC-BY-NC-SA-4.0
Validation: Our own test on the full edition (train on vintages to 2024-06, test on later vintages): gradient boosting on all application features ROC-AUC 0.688; lender grade alone 0.670.
Data source: 100% synthetic, generated by QuailModel with AI assistance (generator code written with an AI model)
Catalog (all QuailModel datasets, catalog.json, llms.txt): https://quailrobot-quailmodel.static.hf.space
Last updated: 2026-10-10

Validation

Our own test on the full edition (train on vintages to 2024-06, test on later vintages): gradient boosting on all application features ROC-AUC 0.688; lender grade alone 0.670.

Price & licence

Full edition: $5 USD. One-time payment, instant download after checkout: https://buy.polar.sh/polar_cl_yGbhg1U008yQ3CrFjsfWsr27YndWE7Vs4wIsU3t32pA
QuailModel Commercial Dataset Licence (SPDX: LicenseRef-QuailModel-Commercial): you may train, evaluate and ship models, including in commercial products. You may not resell or redistribute the dataset itself.
Free sample (this page): CC BY-NC-SA 4.0 - free for non-commercial use.

Limitations

100% synthetic: no real borrowers; not validated against a real loan portfolio.
No sex, race, ethnicity or religion fields (coarse age band only).
Outcome columns are labels - exclude them from model inputs.

Custom dataset of YOUR object ($249)

Need data of YOUR object? Custom Object-Detection Dataset of Your Object (2,000 images), $249 USD -> order on Polar

Note: this is an image / object-detection service (not tabular data).
What you get: 2,000 labelled photoreal synthetic images (640x640 JPEG) of your own object or scenario (product, part, tool, drone, package, defect...), up to 3 classes, YOLO bounding boxes + data.yaml, train/val/test split, quality report
Licence: commercial use allowed
Price: $249 USD one-time; one round of adjustments included
Delivery: typically 3-5 business days after we receive your reference photos + rough dimensions
Optional sim-to-real test: send ~200 of your own labelled real images and we report how much the synthetic data improves a detector on them
Refund: full refund if we cannot deliver your request (14-day refund policy)
Limits: only objects you own or are allowed to use; no weapons or anything meant to harm people; no copied third-party 3D assets
Order URL: https://buy.polar.sh/polar_cl_AQu6LzRtqiQmKPlgPt0zePBtvWjJI4vULeFMQ4NLHH9
Details + contact: https://quailrobot-quailmodel.static.hf.space

This free sample: 37,342 loans. Full commercial edition: 300,000 loans, 24 monthly vintages, 12/24/36-month terms (zip 11.6 MB). Fully synthetic data; summary, facts, validation and limitations are in the block above.

Files

loans (loan_id, origination_month, amount, term_months, purpose, grade, interest_rate, annual_income, employment_type, employment_years, housing, age_band, dti, credit_history_years, revolving_utilisation, inquiries_6m, past_delinquencies_2y, open_accounts, default_ever, months_to_default, loss_given_default, default_12m). Outcome columns are LABELS.

How it was made

Produced by QuailModel's own simulator, including legitimate activity alongside the labelled patterns. Labels are exact, because they are known by construction.

Credits

No third-party data was used.

Licence

Sample edition: CC BY-NC-SA 4.0 (non-commercial). The full commercial edition is sold by QuailModel (see the buy link).

Disclosure

Generated by QuailModel with AI assistance (generator code written with an AI model); all data is synthetic / computer-generated. Validate on your own real data before production use.