Which type of information is required to be included in a consumer's credit report?

The correct choice encompasses the inclusion of public records in a consumer's credit report, which is essential for providing a comprehensive view of a consumer's financial history. Public records can include bankruptcy filings, tax liens, and civil judgments. These records are particularly significant because they can have a major impact on an individual's creditworthiness and can be accessed by creditors making lending decisions. Including this information ensures that the credit reporting process remains transparent and reflective of a consumer's financial behavior, contributing to the overall integrity of the credit system.

While other options present potentially relevant information, they do not hold the same level of congruity with required contents of a credit report. Job history, for instance, is not a standard requirement; rather, it may be reviewed separately in the context of employment checks or lending decisions. The inclusion of a Social Security number can be important for identification purposes but is not categorized as a type of information that is routinely reported in the same manner as public records. Lastly, personal opinions are subjective and do not contribute meaningful insights into a consumer's creditworthiness, thus are not included in credit reports.