A consumer report is a comprehensive document that includes various types of information about an individual's creditworthiness, credit history, and overall financial behavior. It encompasses written and/or oral details that reflect the individual's credit and habits, which may include payment histories, debts, and other financial activities. This broad range of information is used by lenders and other entities to assess the risk of lending to a consumer or to provide services based on creditworthiness.
The other options are too narrow in their scope. For instance, solely focusing on employment history ignores the extensive data collected in a consumer report, which includes credit behaviors and payment patterns, thereby missing the financial context needed for credit evaluations. Limiting the report to only financial data from banks overlooks essential information such as credit card use or loan repayment history. Lastly, while medical history and treatment details can be part of other types of reports, they are not typically included in consumer reports that deal mainly with credit information. Hence, the chosen answer best captures the essence of what a consumer report encompasses.