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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164 incidents closest to “Upstart auto refinance” · matched on meaning · public 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-DFMQ9J1 Mar 2024

Insurer drops California homeowner after aerial photo analysis

Cindy Picos was dropped by her home insurer after the company used aerial photos to assess her roof. The insurer refused to let her see the photos, and she believes her roof is in fine shape. The incident highlights the growing use of drones and aerial imagery by insurers to inspect properties without in-person visits.

2 source articles · 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-3AGQFY1 Dec 2025

California Slaps Robotaxis With $10,000 Fines for Blocking First Responders - Hoodline

Autonomous vehicles blocked emergency vehicles, delaying response times for first responders.

Company involved
Waymo
AI system involved
Waymo

1 source article · read the reporting →

WF-Y2VM2314 Sep 2026

Waymo Robotaxi Blocks Fire Truck Responding To Austin Hotel Alarm - AOL.com

An empty Waymo robotaxi blocked and delayed a fire truck responding to an Austin hotel alarm.

Company involved
Waymo
AI system involved
Waymo robotaxi

1 source article · read the reporting →

Lawsuit says Tesla Autopilot missed a curve before a fatal Model X crash

The Autopilot system missed a curve, causing a fatal crash for the driver.

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 →

WF-0ZQI8S4 Oct 2016

$30M Equifax hard inquiry dispute class action settlement - Top Class Actions

A class action, settled for $30 million, alleged that Equifax automatically rejected consumers' disputes of hard inquiries on their credit reports, sending a form letter instead of investigating.

Company involved
Equifax Information Services LLC

1 source article · read the reporting →

WF-X56BUW29 Jun 2023

Family Sues Tesla After Model X Allegedly Surged Through Red Light - Carscoops

The vehicle accelerated from a red light without driver input, causing a crash that injured the driver and his daughter.

Company involved
Tesla
AI system involved
Autopilot

1 source article · read the reporting →

WF-TDFPG43 Mar 2024

Ford BlueCruise crash in Philadelphia kills two, injures one

On March 3, 2024, a Ford Mustang Mach-E operating in hands-free partial automation mode (BlueCruise) collided with stationary vehicles in a work zone on I-95 in Philadelphia. The system recorded a speed of 72.4 mph with no braking or steering before impact. The drivers of the two stationary vehicles died, and the Ford driver was injured. The NTSB determined the probable cause to be driver impairment and distraction due to overreliance on automation, as well as Ford's inadequate integration of speed management with the automation system.

Company involved
Ford Motor Company
AI system involved
BlueCruise

9 source articles · 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 →

WF-OZQDJ6Portuguese

Uber to Resume Autonomous Car Use Despite Fatal Accident - Estadão

Uber voltará a utilizar carros autônomos mesmo após acidente - Estadão

Uber's president Dara Khosrowshahi said the company plans to resume using autonomous cars within months. The ride-hailing firm suspended its self-driving vehicle program in March after a car struck and killed a pedestrian in the United States. Khosrowshahi stated that Uber has conducted internal and independent safety reviews and is working with government agencies to restart testing.

1 source article · read the reporting →

WF-9D8L0R21 Aug 2026

Capital Standard, LLC v. U.S. Bank National Association (CA Florida (2d)): AI-hallucinated content in court filing, Monetary Sanction; Adverse Costs…

The AI generated false legal citations that were included in a court filing, misleading the court.

1 source article · read the reporting →

Geico and other insurers charge higher premiums in minority neighborhoods than in white areas with similar risk

ProPublica's analysis of auto insurance premiums in California, Illinois, Texas and Missouri found that major insurers such as Geico, Allstate and Liberty Mutual charge minority neighborhoods up to 30% more than white areas with similar accident costs. The disparity is alleged to result from pricing algorithms that may inadvertently use zip code as a proxy for race. Otis Nash, a 26-year-old Chicagoan, pays $190.69 per month for Geico insurance while a white driver in a safer neighborhood pays $54.67. The insurers deny discrimination, stating they do not collect race data.

Company involved
Geico

5 source articles · read the reporting →

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