The Lending Club download page also provides a data dictionary that contains explanations of individual columns. Specifically, the dataset contains 115 columns with specific meanings, collecting data about borrowers, including their bank history, credit history, and their loan application. Furthermore, for accepted loans, data includes payment progress or the final state of the loan-if it was fully paid or defaulted. One reason why it's crucial to study the data dictionary is to prevent using a column that can possibly pre-hint at the result you are trying to predict and thereby result in a model that is inaccurate. The message is clear but very important: study and know your data!