CFPB Consumer Complaint Profile
Plaid Inc.
Behind the 31 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 31
- Total complaints
- Mid-range
- 13
- Last 12 months
- 96.8%
- Timely response
- Below median
- 18
- States affected
The verdict
31 CFPB complaints put Plaid Inc. at #2304 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 96.8%, the 38th percentile for the 100+ complaint peer group.
- #2304
- of 3,843 companies by volume
- 96.8%
- on time (38th pctile)
- Money transfer, virt…
- most-complained product
- 18
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Plaid Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.8% Around the middle higher than 38% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2023 | 7 |
| 2024 | 10 |
| 2025 | 10 |
| 2026year in progress | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Plaid Inc.
Plaid Inc. carries 31 complaints in the CFPB's database, 13 of them filed within the past 12 months. Consumers spanning 18 states and territories have weighed in, giving this a multi-regional footprint. "Money transfer, virtual currency, or money service" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Managing an account" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Plaid Inc. posts a 96.8% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Plaid Inc. have?
Plaid Inc. has 31 total consumer complaints filed with the CFPB, with 13 filed in the last 12 months.
Does Plaid Inc. respond to complaints on time?
Plaid Inc.'s CFPB timely-response rate is 96.8%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Plaid Inc.?
"Money transfer, virtual currency, or money service" draws more CFPB complaints against Plaid Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Plaid Inc.?
The most common issue reported by consumers about Plaid Inc. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Plaid Inc.?
You can file a complaint against Plaid Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Plaid Inc.?
Plaid Inc. has drawn CFPB complaints from 18 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Money transfer, virtual currency, or money service
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Plaid Inc. have?
Plaid Inc. has 31 total consumer complaints filed with the CFPB, with 13 filed in the last 12 months.
Does Plaid Inc. respond to complaints on time?
Plaid Inc.'s CFPB timely-response rate is 96.8%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Plaid Inc.?
"Money transfer, virtual currency, or money service" draws more CFPB complaints against Plaid Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Plaid Inc.?
The most common issue reported by consumers about Plaid Inc. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Plaid Inc.?
You can file a complaint against Plaid Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Plaid Inc.?
Plaid Inc. has drawn CFPB complaints from 18 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.