# Plaid Inc.: 34 CFPB complaints, last 3 years

Updated November 10, 2026.

Plaid Inc. drew 34 consumer complaints in the CFPB database in the three years to November 9, 2026, and 41 since 2023. The largest group, 13, was about credit reporting or other personal consumer reports, and the most common issue was “Managing an account” with 7. The company responded on time to 97.1% of the complaints, and 0.0% closed with monetary or other relief. The CFPB records the company as PLAID INC..

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

- Complaints, last 3 years: 34
- Complaints, all years: 41
- Responded on time: 97.1%
- Closed with relief: 0.0%
- Products: 4
- Latest received: Oct 17, 2026

## Complaints by year

Every year the CFPB database holds for this company, by the date received.

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 14 |
| 2025 | 10 |
| 2024 | 10 |
| 2023 | 7 |

## Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

| Product | Complaints | Share |
| --- | --- | --- |
| [Credit reporting or other personal consumer reports](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports) | 13 | 38.2% |
| [Money transfer, virtual currency, or money service](https://specstream.ai/data/consumer-complaints/product/money-transfer-virtual-currency-or-money-service) | 11 | 32.4% |
| [Checking or savings account](https://specstream.ai/data/consumer-complaints/product/checking-or-savings-account) | 8 | 23.5% |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 2 | 5.9% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Managing an account | 7 | 20.6% |
| Incorrect information on your report | 4 | 11.8% |
| Problem with a company's investigation into an existing issue | 4 | 11.8% |
| Managing, opening, or closing your mobile wallet account | 3 | 8.8% |
| Unauthorized transactions or other transaction problem | 3 | 8.8% |
| Fraud or scam | 2 | 5.9% |
| Improper use of your report | 2 | 5.9% |
| Other transaction problem | 2 | 5.9% |
| Unable to get your credit report or credit score | 2 | 5.9% |
| False statements or representation | 1 | 2.9% |
| Problem with a company's investigation into an existing problem | 1 | 2.9% |
| Problem with a lender or other company charging your account | 1 | 2.9% |
| Took or threatened to take negative or legal action | 1 | 2.9% |
| Trouble accessing funds in your mobile or digital wallet | 1 | 2.9% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 34 | 100% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [New York](https://specstream.ai/data/consumer-complaints/state/new-york) | 4 | 11.8% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 4 | 11.8% |
| [Georgia](https://specstream.ai/data/consumer-complaints/state/georgia) | 3 | 8.8% |
| [Maryland](https://specstream.ai/data/consumer-complaints/state/maryland) | 3 | 8.8% |
| [Florida](https://specstream.ai/data/consumer-complaints/state/florida) | 2 | 5.9% |
| [Illinois](https://specstream.ai/data/consumer-complaints/state/illinois) | 2 | 5.9% |
| [South Carolina](https://specstream.ai/data/consumer-complaints/state/south-carolina) | 2 | 5.9% |
| [Washington](https://specstream.ai/data/consumer-complaints/state/washington) | 2 | 5.9% |
| [Colorado](https://specstream.ai/data/consumer-complaints/state/colorado) | 1 | 2.9% |
| [Iowa](https://specstream.ai/data/consumer-complaints/state/iowa) | 1 | 2.9% |
| [Idaho](https://specstream.ai/data/consumer-complaints/state/idaho) | 1 | 2.9% |
| [Michigan](https://specstream.ai/data/consumer-complaints/state/michigan) | 1 | 2.9% |
| [Minnesota](https://specstream.ai/data/consumer-complaints/state/minnesota) | 1 | 2.9% |
| [Mississippi](https://specstream.ai/data/consumer-complaints/state/mississippi) | 1 | 2.9% |
| [North Carolina](https://specstream.ai/data/consumer-complaints/state/north-carolina) | 1 | 2.9% |
| [Oregon](https://specstream.ai/data/consumer-complaints/state/oregon) | 1 | 2.9% |
| [Pennsylvania](https://specstream.ai/data/consumer-complaints/state/pennsylvania) | 1 | 2.9% |
| [Tennessee](https://specstream.ai/data/consumer-complaints/state/tennessee) | 1 | 2.9% |
| [Virginia](https://specstream.ai/data/consumer-complaints/state/virginia) | 1 | 2.9% |
| [Vermont](https://specstream.ai/data/consumer-complaints/state/vermont) | 1 | 2.9% |

## Latest 34 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| October 17, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/30286845) |
| October 6, 2026 | Money transfer, virtual currency, or money service | Other transaction problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/29229139) |
| September 23, 2026 | Checking or savings account | Problem with a lender or other company charging your account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/28091053) |
| July 24, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/24574495) |
| July 9, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/24038838) |
| June 27, 2026 | Money transfer, virtual currency, or money service | Managing, opening, or closing your mobile wallet account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23629507) |
| May 22, 2026 | Money transfer, virtual currency, or money service | Trouble accessing funds in your mobile or digital wallet | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/22458329) |
| May 19, 2026 | Debt collection | False statements or representation | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/22352321) |
| April 28, 2026 | Credit reporting or other personal consumer reports | Unable to get your credit report or credit score | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21677339) |
| April 4, 2026 | Checking or savings account | Managing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20951315) |
| February 17, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing issue | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19569916) |
| January 28, 2026 | Checking or savings account | Managing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19070589) |
| January 22, 2026 | Checking or savings account | Managing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18909259) |
| January 21, 2026 | Checking or savings account | Managing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18898721) |
| December 24, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18272044) |
| December 18, 2025 | Money transfer, virtual currency, or money service | Managing, opening, or closing your mobile wallet account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18135125) |
| November 20, 2025 | Money transfer, virtual currency, or money service | Unauthorized transactions or other transaction problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17380575) |
| November 8, 2025 | Money transfer, virtual currency, or money service | Other transaction problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17115688) |
| September 16, 2025 | Money transfer, virtual currency, or money service | Unauthorized transactions or other transaction problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15985520) |
| July 24, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing issue | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14866058) |
| May 31, 2025 | Money transfer, virtual currency, or money service | Managing, opening, or closing your mobile wallet account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13820325) |
| May 17, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13572156) |
| April 14, 2025 | Credit reporting or other personal consumer reports | Unable to get your credit report or credit score | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12982400) |
| March 11, 2025 | Money transfer, virtual currency, or money service | Fraud or scam | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12402162) |
| December 27, 2024 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11297413) |
| December 25, 2024 | Money transfer, virtual currency, or money service | Unauthorized transactions or other transaction problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11265195) |
| December 23, 2024 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing issue | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11254395) |
| December 4, 2024 | Checking or savings account | Managing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11024441) |
| October 31, 2024 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10641512) |
| July 6, 2024 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing issue | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9438167) |
| May 21, 2024 | Checking or savings account | Managing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9062759) |
| February 25, 2024 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8417910) |
| January 28, 2024 | Checking or savings account | Managing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8235531) |
| January 7, 2024 | Money transfer, virtual currency, or money service | Fraud or scam | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8118882) |

## Also on SpecStream

- [Every company with Credit reporting or other personal consumer reports complaints](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports)
- [Every company with Money transfer, virtual currency, or money service complaints](https://specstream.ai/data/consumer-complaints/product/money-transfer-virtual-currency-or-money-service)
- [Every company with Checking or savings account complaints](https://specstream.ai/data/consumer-complaints/product/checking-or-savings-account)
- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Consumer complaints in Texas](https://specstream.ai/data/consumer-complaints/state/texas)
- [Consumer complaints in New York](https://specstream.ai/data/consumer-complaints/state/new-york)
- [Consumer complaints in Maryland](https://specstream.ai/data/consumer-complaints/state/maryland)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/). Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB.

Free to reuse with credit to SpecStream under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/).