Check Report Errors

Guide to troubleshooting Check Report errors

CONSUMER_REPORT_EXPIRED

Common causes

The Check Report has expired as 24 hours have passed since its creation, so it is no longer retrievable.

Troubleshooting steps

Create a new report for the user by calling /cra/check_report/create.

API error response

http code 400
{
 "error_type": "CONSUMER_REPORT_ERROR",
 "error_code": "CONSUMER_REPORT_EXPIRED",
 "error_message": "",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

DATA_UNAVAILABLE

Common causes

Plaid Check failed to retrieve data from the user's financial institutions to generate Check Report product data.

Troubleshooting steps

Check the causes field for a detailed breakdown of errors, then follow the troubleshooting steps for any errors found.

If the causes field is not present, use user/item/get to query the Items in the Asset Report for errors, then follow the troubleshooting steps for any errors found.

API error response

http code 400
{
 "error_type": "CHECK_REPORT_ERROR",
 "error_code": "DATA_UNAVAILABLE",
 "error_message": "The Check Report you are trying to pull does not have sufficient transactions data to generate a report.",
 "display_message": null,
 "causes": [
  {
   "display_message": null,
   "error_code": "ITEM_LOGIN_REQUIRED",
   "error_message": "The login details of this item have changed (credentials, MFA, or required user action) and a user login is required to update this information. use Link's update mode to restore the item to a good state",
   "error_type": "ITEM_ERROR",
   "item_id": "pZ942ZA0npFEa0BgLCV9DAQv3Zq8ErIZhc81F"
  }
 ],
 "request_id": "HNTDNrA8F1shFEW"
}

PRODUCT_NOT_READY

Note that this error should not be confused with the PRODUCT_NOT_READY error of type ITEM_ERROR, which has different causes.

Common causes

/check_report/.../get was called before report generation completed.

Troubleshooting steps

Listen for the CHECK_REPORT_READY or CHECK_REPORT_FAILED webhooks and wait to call /check_report/.../get until that webhook has been fired.

API error response

http code 400
{
 "error_type": "CONSUMER_REPORT_ERROR",
 "error_code": "PRODUCT_NOT_READY",
 "error_message": "The consumer report you are trying to pull is not ready. Please wait for a CHECK_REPORT_READY webhook to fetch data",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

INSTITUTION_TRANSACTION_HISTORY_NOT_SUPPORTED

Common causes

The user's financial institution does not support the length of transaction history you require

Troubleshooting steps

Lower the days_required to be compatible with the financial institution's limits.

API error response

http code 400
{
 "error_type": "CHECK_REPORT_ERROR",
 "error_code": "INSTITUTION_TRANSACTION_HISTORY_NOT_SUPPORTED",
 "error_message": "The user’s bank does not support the transactions range you require. Lowering the days_required may result in success.",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

INSUFFICIENT_TRANSACTION_DATA

Common causes

The user does not have sufficient transactions data to generate income insights, partner insights, or cashflow insights. The error_message will provide more detail on what data is missing.

Troubleshooting steps

Have the user connect a different financial institutions that will satisfy the transaction requirements.

API error response

http code 400
{
 "error_type": "CHECK_REPORT_ERROR",
 "error_code": "INSUFFICIENT_TRANSACTION_DATA",
 "error_message": "",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

NO_ACCOUNTS

Common causes

The user does not the correct accounts linked to generate income insights. The error_message will provide more detail on what data is missing.

Troubleshooting steps

Have the user connect a different financial institutions that will satisfy the transaction requirements.

API error response

http code 400
{
 "error_type": "CHECK_REPORT_ERROR",
 "error_code": "NO_ACCOUNTS",
 "error_message": "No depository accounts were found for this user",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

NETWORK_CONSENT_REQUIRED

Common causes

The user did not provide consent in link to share Plaid network data.

Troubleshooting steps

Have the user go through link again with cra_network_insights or cra_cashflow_insights so they can give consent to share network data

API error response

http code 400
{
 "error_type": "CHECK_REPORT_ERROR",
 "error_code": "NETWORK_CONSENT_REQUIRED",
 "error_message": "User has not provided consent to share network data",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

DATA_QUALITY_CHECK_FAILED

Common causes

The extracted data from the financial institution showed signs of poor data quality, preventing the generation of an accurate report.

Troubleshooting steps

Try creating the Check Report again 1-2 days later.

API error response

http code 400
{
 "error_type": "CHECK_REPORT_ERROR",
 "error_code": "DATA_QUALITY_CHECK_FAILED",
 "error_message": "Bank provided inconsistent transaction history data that has a high chance of error. The bank will need to resolve issues for product data to be generated.",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}