[USER_Name]+'\n'+ " " +[USER_Address] This would be the python script but i'm not sure how to do this using Arcade?
Currently multi line labels are not supported in the web map of ArcGIS Online. Later this year there will be a redesign of the web map to include this capability. After that update you will be able to use:
$feature.USER_Name + TextFormatting.NewLine + $feature.USER_Address;
//or
return $feature.USER_Name + TextFormatting.NewLine + $feature.USER_Address;