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"
}

CONSUMER_REPORT_NOT_FOUND

Common causes

No report has been created for this user.

Troubleshooting steps

If you have not already generated a report for this user, generate one by calling /cra/check_report/create.

Make sure you have received the USER_CHECK_REPORT_READY webhook before attempting to retrieve the report. If you receive the USER_CHECK_REPORT_FAILED webhook instead, check the error object for details.

API error response

http code 400
{
 "error_type": "CONSUMER_REPORT_ERROR",
 "error_code": "CONSUMER_REPORT_NOT_FOUND",
 "error_message": "the consumer report you are trying to pull does not exist. please use Link to reconnect the end user and then fetch the generated report",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

USER_ON_IDENTITY_THEFT_OR_FRAUD_BLOCK

The user has reported fraud or identity theft to Plaid Check.

/cra/report/get returns this error with an error_type of CRA_REPORT_ERROR. /link/token/create and the legacy /cra/check_report/create endpoint return it with an error_type of CONSUMER_REPORT_ERROR.

Troubleshooting steps

If the end user believes the block was placed in error or no longer applies, they can request its removal through the Plaid Check Consumer Help Center.

API error response

http code 400
{
 "error_type": "CRA_REPORT_ERROR",
 "error_code": "USER_ON_IDENTITY_THEFT_OR_FRAUD_BLOCK",
 "error_message": "The user is on an identity theft or fraud block. The user can remove this block by submitting a request at https://plaid.com/check/consumer-service-center/",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

USER_ON_SECURITY_FREEZE

The user has placed a security freeze with Plaid Check.

Troubleshooting steps

If the end user no longer wants the freeze in place, they can lift it through the Plaid Check Consumer Help Center.

API error response

http code 400
{
 "error_type": "CRA_REPORT_ERROR",
 "error_code": "USER_ON_SECURITY_FREEZE",
 "error_message": "The user has a security freeze on their credit file. The user can lift the freeze by submitting a request at https://plaid.com/check/consumer-service-center/",
 "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/items/get to query the Items in the Check 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

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

Troubleshooting steps

Listen for the USER_CHECK_REPORT_READY or USER_CHECK_REPORT_FAILED webhooks (legacy integrations created before December 10, 2025 also receive CHECK_REPORT_READY / CHECK_REPORT_FAILED) and wait to call /cra/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 institution 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 have 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 institution 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"
}

INCOME_INSIGHTS_DELETED

The Income Insights report requested for the PDF has been deleted.

Common causes

The Income Insights report requested for the Check Report has been deleted and can no longer be included in the generated PDF.

Troubleshooting steps

Create a new Check Report with Income Insights by calling /cra/check_report/create, wait for the USER_CHECK_REPORT_READY webhook (or CHECK_REPORT_READY for legacy integrations) and then retrieve the PDF again.

API error response

http code 400
{
 "error_type": "CHECK_REPORT_ERROR",
 "error_code": "INCOME_INSIGHTS_DELETED",
 "error_message": "the income insights report you are trying to retrieve has been deleted",
 "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"
}

PRODUCT_NOT_REQUESTED

The product was not requested when the Check Report was created.

Common causes

/cra/check_report/*/get was called for a product that was not included in the products array when the report was created via /link/token/create or /cra/check_report/create.

Troubleshooting steps

Create a new report with /link/token/create or /cra/check_report/create, listing every Plaid Check product you intend to retrieve in the products array, then retrieve the product from that report.

API error response

http code 400
{
 "error_type": "CONSUMER_REPORT_ERROR",
 "error_code": "PRODUCT_NOT_REQUESTED",
 "error_message": "The requested product type was not requested for this consumer report. Call /cra/check_report/create with the product in `products`.",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

NO_MATCHING_USER

Plaid Check could not find a consumer profile for the user.

Returned by /cra/report/get.

Common causes

The identity on the user does not match a Plaid Check consumer profile.
The user has no identity information.

Troubleshooting steps

Make sure the user's identity is complete and accurate. If it isn't, correct it with /user/update.

Send the user through a Plaid Check Link flow, then call /cra/report/get again.

API error response

http code 400
{
 "error_type": "CRA_REPORT_ERROR",
 "error_code": "NO_MATCHING_USER",
 "error_message": "No matching user was found for the provided identity. Send the user through a CRA link flow. For additional information refer to our docs: https://plaid.com/docs/",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}