What does a consumer report include?

A consumer report is a comprehensive document that provides a variety of information about an individual's creditworthiness, character, and overall reputation. This report is primarily utilized by businesses to assess the risk associated with lending to or engaging with a consumer.

The correct answer highlights that consumer reports can include written or oral statements that elaborate on a consumer's credit history, borrowing behavior, and character assessments. These details are curated from various sources, including past credit activity, payment history, and public records, among others. The inclusion of these insights helps creditors or service providers make informed decisions about extending credit or offering services.

Other options suggest limited scopes—such as exclusively personal interviews or only financial information from banks—which do not encompass the broader range of data that consumer reports actually provide. Consumer reports are designed to reflect a holistic view of a consumer's financial behavior and personal history, rather than being restricted to a singular aspect. Additionally, while insurance claims history might be part of a consumer's profile, it does not constitute the entirety of what a consumer report complies. Hence, the option indicating written or oral statements about credit and character captures the essence of a consumer report accurately.