CFPB Consumer Complaint Profile
Arivo Acceptance, LLC
188 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 188
- Total complaints
- Above average
- 82
- Last 12 months
- 100%
- Timely response
- Top decile
- 32
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Arivo Acceptance, LLC sits at #970, with 188 complaints logged. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #970
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 32
- states with complaints
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.
Arivo Acceptance, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 39 in 2024 to 83 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2019 | 4 |
| 2020 | 6 |
| 2021 | 3 |
| 2022 | 9 |
| 2023 | 28 |
| 2024 | 39 |
| 2025 | 83 |
| 2026year in progress | 16 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Arivo Acceptance, LLC
188 complaints against Arivo Acceptance, LLC appear in the CFPB record, including 82 from the trailing year. The 32 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Arivo Acceptance, LLC draw a 100% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Among resolved complaints, the consumer-relief closure rate is 1.1%.
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 Arivo Acceptance, LLC have?
Arivo Acceptance, LLC has 188 total consumer complaints filed with the CFPB, with 82 filed in the last 12 months.
Does Arivo Acceptance, LLC respond to complaints on time?
Arivo Acceptance, LLC has a 100% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Arivo Acceptance, LLC?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Arivo Acceptance, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Arivo Acceptance, LLC?
"Improper use of your report" is the single most frequently cited issue in complaints against Arivo Acceptance, LLC - see all issues and counts above.
How do I file a complaint against Arivo Acceptance, LLC?
You can file a complaint against Arivo Acceptance, LLC 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 Arivo Acceptance, LLC?
The CFPB has recorded complaints against Arivo Acceptance, LLC from 32 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.