This dataset offers a comprehensive mix of financial, demographic, temporal, and external factor data to help predict credit delinquency. It includes key information such as loan terms, credit balances, and effective interest rates, along with client details like salary, marital status, and profession.

In addition to tracking historical credit behavior and overdue days at different time points, the dataset incorporates critical external factors, including climate change, social unrest, and global crises like COVID-19, which may influence payment delays and financial behavior.