CFPB Consumer Complaint Profile
Array US, Inc
Consumers have filed 13 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 13
- Total complaints
- Below average
- 8
- Last 12 months
- 100%
- Timely response
- Top decile
- 8
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Array US, Inc has accumulated 13 complaints, placing it #3408 by volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #3408
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 8
- 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.
Array US, Inc 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
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 |
|---|---|
| 2024 | 3 |
| 2025 | 9 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Array US, Inc
13 complaints against Array US, Inc appear in the CFPB record, including 8 from the trailing year. The 8 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Inside that category, "Improper use of your report" 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, Array US, Inc posts a 100% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
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 Array US, Inc have?
13 complaints have been filed against Array US, Inc with the CFPB overall - 8 of them in the past year.
Does Array US, Inc respond to complaints on time?
Array US, Inc's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Array US, Inc?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Array US, Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Array US, Inc?
"Improper use of your report" is the single most frequently cited issue in complaints against Array US, Inc - see all issues and counts above.
How do I file a complaint against Array US, Inc?
You can file a complaint against Array US, 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 Array US, Inc?
Array US, Inc has drawn CFPB complaints from 8 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 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.