The record

Where automated decisions went wrong

Incidents gathered from public reporting around the world. Each one links to the articles it came from. None of it is a finding that anyone broke the law.

Reports people file about their own experience are not shown here and never will be without their agreement. Tell us what happened to you.

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140 incidents closest to “Upstart auto refinance” · matched on meaning · public reporting

Cruise alleged to rely on human operators for autonomous driving

A New York Times article alleged that Cruise's autonomous vehicles rely on human operators to achieve autonomous driving, with 1.5 workers per vehicle intervening every 2.5 to five miles. Cruise CEO Kyle Vogt responded on Hacker News, stating that remote assistance is used 2-4% of the time and that many sessions are resolved by the vehicle itself. The company declined an interview request from the NYT.

Company involved
Cruise
AI system involved
Cruise AV

9 source articles · read the reporting →

FTC settles with DoNotPay over deceptive AI lawyer claims

The FTC took action against DoNotPay, a company that claimed to offer an AI service that was 'the world's first robot lawyer.' The company promised to generate legal documents and replace human lawyers, but the FTC alleged it failed to test its AI output and did not hire any attorneys. DoNotPay agreed to a settlement requiring it to pay $193,000 and notify consumers about the limitations of its service.

Company involved
DoNotPay
AI system involved
DoNotPay

7 source articles · read the reporting →

EvenUp AI errors in personal injury demand letters lead to scrutiny

EvenUp, a legal tech startup valued at $1 billion, uses AI to draft personal injury demand letters. Former employees revealed that the AI system frequently makes errors, including missing injuries and fabricating medical conditions. The company defends its hybrid approach with human oversight, but critics allege overpromised AI capabilities.

Company involved
EvenUp

6 source articles · read the reporting →

WF-MOWG0P14 Aug 2025

AI-generated article misstates Roadzen's Q1 revenue expectations

An AI-generated article on The Motley Fool incorrectly stated that Roadzen's analyst expectations for Q1 revenue were over $21 million, implying a revenue miss of more than 50%. Roadzen clarified that these figures were never issued by its covering analysts and that its actual revenue of $10.9 million was in line with estimates. The Motley Fool later corrected the article and added an editor's note acknowledging the error.

Company involved
The Motley Fool

4 source articles · read the reporting →

WF-W5E4OY1 Sep 2021

Utah's online dispute resolution system leads to default judgments against defendants

Utah's online dispute resolution system for small claims cases automatically enters default judgments against defendants who fail to register within 14 days. Samantha Thompson missed the buried notice in her summons and was ordered to pay $995.42 plus wage garnishment. The system has increased default judgment rates, especially for payday lenders. Critics say the confusing paperwork disadvantages low-income litigants.

Company involved
Utah State Courts
AI system involved
Utah Online Dispute Resolution System

4 source articles · read the reporting →

WF-9NLYPS27 Feb 2021

Uber driver locked out of app after shaving head, facial recognition failure alleged

Neradi Srikanth, a 23-year-old Uber driver in Hyderabad, was locked out of the app on 27 February 2021 after shaving his head for a religious pilgrimage. He alleges that Uber's facial recognition system failed to recognise him, preventing him from working and causing him to miss a car loan payment. Uber denies this, stating the account was blocked for repeated community guideline violations, and says its system can handle appearance changes. The driver's union reports similar issues among other drivers, highlighting the lack of accountability for platform technology failures.

Company involved
Uber
AI system involved
Uber facial recognition system

3 source articles · read the reporting →

WF-MRU0QR12 Apr 2022

Uber and Lyft surge pricing after NYC subway shooting leads to refunds

After a shooting on a Brooklyn subway train, Uber and Lyft's automated surge pricing algorithms increased fares for riders in the area. Both companies later disabled surge pricing and stated they would refund customers who were overcharged. The incident highlights the risk of automated pricing systems that cannot account for emergency contexts.

Company involved
Uber and Lyft

6 source articles · read the reporting →

WF-DXNU9O1 Aug 2025

Zoox recalls 332 robotaxis after self-driving cars veer into oncoming traffic

Zoox, Amazon's self-driving car company, recalled 332 robotaxis after they were found veering into oncoming traffic near intersections. The issue was first noticed in August 2025 when a car took a wide right turn crossing the center line. Zoox said no crashes or injuries occurred and fixed the problem with a software update. The National Highway Traffic Safety Administration confirmed the recall and is in ongoing discussions with Zoox.

Company involved
Zoox
AI system involved
Zoox robotaxis

6 source articles · read the reporting →

WF-KZBUGW18 Aug 2025

Tesla Cybertruck owner sues over FSD crash in Houston overpass

Justine Saint Amour is suing Tesla after her Cybertruck, with Full Self-Driving engaged, crashed into a concrete barrier on a Houston overpass on August 18, 2025. The lawsuit alleges that Tesla was negligent in hiring and retaining Elon Musk as CEO, and that the FSD system was defective due to lack of LiDAR and ineffective automatic emergency braking. Saint Amour seeks over $1 million in damages.

Company involved
Tesla
AI system involved
Full Self-Driving (FSD)

3 source articles · read the reporting →

WF-V1TSIX11 Mar 2023

Bots and short sellers spread misinformation to trigger First Republic Bank run

A report by Valent Technologies alleges that AI-powered bots and fake accounts spread misinformation about First Republic Bank in March 2023, coinciding with a $100 billion deposit withdrawal and the bank's collapse. The report suggests short sellers likely orchestrated the bots to drive down the share price. Federal regulators closed the bank and sold its assets to J.P. Morgan, and the bank's former CEO attributed the collapse to 'contamination' by anxiety.

2 source articles · read the reporting →

Pega's Hidden AI Tool Listens To US Bank Calls, Suit Says - Law360

The system secretly recorded customer service calls, affecting bank customers.

Company involved
U.S. Bancorp

1 source article · read the reporting →

WF-Y1WBTU22 Mar 2022

Citizens Advice finds ethnicity penalty in car insurance pricing

Citizens Advice conducted exploratory research into car insurance pricing and found that people of colour may be paying £250 more per year than White people. The research suggests that areas with large communities of colour may be identified as more risky by algorithms, even when objective risk factors are controlled. Citizens Advice has called on the Financial Conduct Authority to investigate the issue.

9 source articles · read the reporting →

WF-UF6BMA1 Jan 2018

TransUnion AI tenant screening denied 75-year-old man apartment due to mistaken littering conviction

Chris Robinson, then 75, applied for a senior living apartment in California. The property manager used an AI screening program from TransUnion, which assigned him a low score based on a mistaken conviction for littering that belonged to a different person with the same name in Texas. Robinson lost the apartment and his application fee. A federal class-action lawsuit against TransUnion moved toward a $11.5 million settlement in 2023.

10 source articles · read the reporting →

WF-AN9JEM11 Jun 2018

Cruise Self-Driving Car Rear-Ended by Human-Driven Cruise Vehicle in San Francisco

On 11 June 2018, a self-driving Cruise Chevrolet Bolt was rear-ended by another Cruise vehicle driven by a human employee on Bryant Street in San Francisco. The collision caused only minor scuffs and no injuries. Cruise reported the incident to the California DMV as required. The incident highlights the challenges of autonomous vehicles interacting with human drivers.

Company involved
Cruise

2 source articles · read the reporting →

WF-2CXT6S1 Jan 2018

SEC charges YouPlus and CEO with defrauding investors

The SEC charged machine-learning startup YouPlus and its CEO Shaukat Shamim with defrauding investors. Shamim allegedly made false statements about the company's revenue and customer numbers, including providing falsified bank statements. The scheme unravelled when Shamim confessed to investors that the company had earned less than $500,000 and had only four paying customers since 2013. The SEC is seeking permanent injunctions, civil penalties, and an officer-and-director bar.

Company involved
YouPlus
AI system involved
YouPlus machine-learning tool

1 source article · read the reporting →

WF-OYBVNA14 Feb 2024

Grab's surge pricing algorithm always adds fees, investigation finds

An investigation by the Pulitzer Center found that Grab's ride-hailing app in the Philippines always includes surge fees in its fares, even when wait times are long. Customers like Rica Torres reported rising costs without explanation. A complaint filed with the LTFRB in 2022 remains unresolved, and the regulator has not determined how the algorithm sets surge rates.

Company involved
Grab
AI system involved
Grab app

8 source articles · read the reporting →

WF-D83EVM2 Nov 2021

Zillow faces securities class action over Zillow Offers wind-down

Zillow Group, Inc. is accused of making false and misleading statements to investors about its Zillow Offers home-flipping business. The company allegedly failed to disclose that its forecasting algorithm was unable to predict home prices accurately, leading to a $304 million inventory write-down and a decision to wind down the business. Investors who bought shares between February 10 and November 2, 2021, suffered losses when the stock price dropped after the announcement. A class action lawsuit has been filed in Washington federal court.

Company involved
Zillow Group, Inc.
AI system involved
Zillow Offers

10 source articles · read the reporting →

WF-CC7AFU18 Jan 2026

Beep automated bus rear-ended by Tesla in Washington D.C.

An automated bus operated by Beep was rear-ended by a Tesla driver making an illegal lane change in Washington D.C. on 18 January 2026. The bus, part of a pilot programme with the U.S. Department of Transportation, had a human backup driver and sustained minor cosmetic damage. Service was temporarily paused but resumed after a review found the bus operated appropriately. No police were called and the incident was not reported to NHTSA as the damage was under $1,000 and the other driver was at fault.

Company involved
Beep
AI system involved
Beep automated bus

2 source articles · read the reporting →

WF-VZ1Z966 Jul 2022

Tesla Model S crash, 2 killed, Autopilot verified: Tesla hits parked tractor-trailer

The Tesla Autopilot system failed to detect a parked tractor-trailer, causing a collision that killed two occupants.

Company involved
Tesla
AI system involved
Autopilot

1 source article · read the reporting →

WF-DYR3NM1 Jun 2021

State Farm accused of algorithmic bias against Black homeowners

A class action lawsuit filed in Chicago alleges State Farm's automated claims processing system discriminates against Black policyholders. The suit claims Black customers are more likely to face additional paperwork and longer waits for claim approval than white customers, citing data from 800 homeowners. State Farm has stated it takes the filing seriously and is committed to fair treatment, while the plaintiffs seek to enjoin the current system and require audits.

Company involved
State Farm
AI system involved
automated claims processing system

2 source articles · read the reporting →

WF-1OVEQM23 Sep 2026

OpenAI sued over alleged undisclosed human review of ChatGPT conversations - Top Class Actions

ChatGPT conversations were reviewed by third-party contractors without adequate disclosure to users.

Company involved
OpenAI OpCo LLC
AI system involved
ChatGPT

1 source article · read the reporting →

Apple Siri Settlement: How to Claim Up to $95 - Yahoo Finance

Apple Siri Settlement: How to Claim Up to $95 Yahoo Finance

Company involved
Apple
AI system involved
Siri

1 source article · read the reporting →

WF-XMO8SI28 Aug 2026ZH-CN

Woman Blindly Trusts Driver Assistance, Rear-Ends Lane-Changing Bus on Highway

女子轻信辅助驾驶放任不管 高速上直接追尾变道大巴车 - 驱动之家

On August 28, on the Shanghai-Kunming Expressway, a woman driving an SUV with driver assistance engaged rear-ended a bus that suddenly changed lanes. She assumed the system would brake automatically and took no action. The bus driver was found at fault for the lane change, but police warned against over-reliance on driver assistance.

1 source article · read the reporting →

Tesla Lawsuit Claims Autopilot Accelerated So Violently the Tires Burst - Autoblog

The vehicle accelerated violently, causing the tires to burst, affecting the driver.

Company involved
Tesla
AI system involved
Autopilot

1 source article · read the reporting →

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