electricsheepafrica/africa-synth-banking-credit-bureau-nigeria

⚠️ Synthetic dataset — Parameterized from published SSA literature, not real observations. Not suitable for empirical analysis or policy inference.

Credit Bureau Records

Dataset Description

Nigerian credit bureau data with credit risk labels

This is a production-grade synthetic dataset with authentic Nigerian banking context, designed for credit risk modeling, creditworthiness assessment, and lending optimization.

Key Features

• 🇳🇬 Nigerian Context: Real bank names, states, demographics
• 📊 ML-Ready Labels: High risk flag (20% prevalence)
• ⚡ Large Scale: 2,000,000 rows
• 🎯 Realistic Distributions: Normal credit scores, lognormal debt amounts, account distributions
• 📅 Temporal Coverage: 2023-01-01 to 2024-12-31

Dataset Structure

Splits

• Train: 1,400,000 rows (70%)
• Validation: 300,000 rows (15%)
• Test: 300,000 rows (15%)

Schema

Key columns: record_id, customer_id, report_date, credit_score, total_debt_ngn, active_accounts, delinquent_accounts, payment_history_months, credit_utilization, high_risk

Usage

from datasets import load_dataset

# Load full dataset
dataset = load_dataset("electricsheepafrica/nigerian_credit_bureau")

# Load specific split
train_data = load_dataset("electricsheepafrica/nigerian_credit_bureau", split="train")

Labels

• Type: High risk flag (20% prevalence)
• Use Case: credit risk modeling, creditworthiness assessment, and lending optimization

Nigerian Context

Nigerian credit bureau reporting, typical credit score ranges, debt levels, payment history patterns, delinquency rates, and credit utilization behaviors reflecting the Nigerian lending landscape.

Citation

@dataset{nigerian_banking_credit_bureau,
  title = {Nigerian Credit Bureau Records},
  author = {Electric Sheep Africa},
  year = {2025},
  publisher = {Hugging Face},
  howpublished = {\url{https://huggingface.co/datasets/electricsheepafrica/nigerian_credit_bureau}}
}

License

Apache 2.0 - Free for commercial and research use.

Contact

• Organization: Electric Sheep Africa
• Collection: Nigeria Banking & Finance Datasets