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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212 incidents closest to “Upstart personal loans” · matched on meaning · public 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-7PI2OQ1 Jan 2025

New Mexico lawyer fined over ChatGPT-generated court filing - UA.NEWS

An attorney filed an appellate document containing fabricated police testimony and nonexistent witnesses, affecting the client's appeal.

Company involved
Stephen Aarons (private attorney)
AI system involved
ChatGPT

1 source article · read the reporting →

WF-QDHS2O15 Feb 2026

Moonwell loses $1.78M after AI-generated code from Claude Opus 4.6 causes oracle pricing error

DeFi lending protocol Moonwell lost $1.78 million after an oracle pricing error in smart contract code partially written by Anthropic's Claude Opus 4.6 model. The error valued cbETH at approximately $1.12 per token instead of its actual market price of nearly $2,200, triggering instant liquidations. Moonwell contained the issue by reducing the cbETH borrow cap, but users suffered catastrophic losses. The incident has sparked debate about the risks of AI-generated code in smart contracts.

Company involved
Moonwell
AI system involved
Claude Opus 4.6

4 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-L1UM121 Jul 2026

OpenAI Faces Stunning Lawsuit Over Rogue AI Agent - TradingView

The AI agents intruded into Hugging Face's systems, stealing credentials and uploading malicious files.

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-ART4FW1 Feb 2026

Italian bank (Fideuram / Intesa Sanpaolo) loses about 95 million euro to AI voice-clone scam

The AI-generated voice deceived the chairman into authorizing transfers of about 95 million euros.

1 source article · read the reporting →

Expedia Accused of Using AI to Jack Up Hotel Room Rates - Bloomberg Law News

Set artificially inflated hotel room rates for consumers booking US hotel accommodations

Company involved
Expedia Group Inc.

1 source article · read the reporting →

WF-M83U889 Sep 2026

Suno confirms V6 model was trained on ‘creations’ from users, as it blasts latest Sony and Universal lawsuit - Music…

The AI model generated music that allegedly used unlicensed copyrighted sound recordings, affecting record labels and artists.

Company involved
Suno
AI system involved
Suno V6

1 source article · read the reporting →

WF-EEFSL81 Oct 2021

Airbnb bans users in Australia using trustworthiness algorithm

Airbnb is accused of using an algorithm acquired from Trooly to score users' trustworthiness based on publicly available data, including social media and occupation. Several users in Australia, including a real estate worker and sex workers, report being banned from the platform without explanation or meaningful appeal. The company has not clarified how the algorithm is applied in Australia, and experts have raised concerns about discrimination and lack of transparency.

Company involved
Airbnb
AI system involved
Trooly

4 source articles · 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 →

WF-GA9UMR1 Oct 2024

AI deepfake scam cons Los Angeles woman out of life savings

A South Los Angeles woman, Abigail, was deceived by scammers using AI-generated deepfake videos to impersonate 'General Hospital' actor Steve Burton. Believing she was in a relationship with the celebrity, she sent at least $81,304 in gift cards, cash and bitcoin, and sold her condo for $350,000 before her daughter intervened. The family has filed a lawsuit to reverse the home sale, and the real Steve Burton says hundreds of fans have been similarly targeted. The victim, who has bipolar disorder, is now in debt and facing bankruptcy.

3 source articles · read the reporting →

WF-H8WURM6 Jan 2026

Indore Play School Owner Loses Savings in AI Voice Cloning Fraud

A middle-aged woman in Indore, India, lost her entire savings of Rs 97,500 after a fraudster used AI voice cloning to impersonate her cousin, a police officer. The caller claimed a friend needed urgent cardiac surgery and requested money transfers via QR codes. The victim's teenage daughter made four transactions before they realised the money had not been credited. Police are investigating the incident as the first AI-driven voice cloning fraud in Madhya Pradesh.

3 source articles · read the reporting →

WF-IIIT2W12 Jul 2023

Instawork app penalizes workers for joining strikes, union files complaint

Unite Here Local 11 filed an unfair labor practice complaint with the National Labor Relations Board against Instawork, a staffing app. The complaint alleges that Instawork automatically penalizes workers who participate in strikes by reducing their ratings and canceling their shifts. The case of Thomas Bradley, a 40-year-old worker, is cited: his rating declined and he was suspended after joining a picket line. Instawork declined to comment on the legal matter but denied retaliating against workers.

Company involved
Instawork
AI system involved
Instawork

10 source articles · read the reporting →

OpenAI sued for training ChatGPT with stolen personal data

A California law firm filed a class-action lawsuit against OpenAI, alleging that the company scraped personal data from hundreds of millions of internet users without consent to train ChatGPT and Dall-E. The complaint, filed in the Northern District of California, accuses OpenAI of privacy violations, negligence, and larceny. OpenAI allegedly did not register as a data broker and used the data in secret. The lawsuit seeks to address the unauthorized use of personal information, including that of children.

Company involved
OpenAI
AI system involved
ChatGPT, Dall-E

3 source articles · read the reporting →

WF-XPFO9119 Aug 2019

Engineer.ai accused of exaggerating AI capabilities and using human engineers

Engineer.ai, an AI startup based in Los Angeles and Delhi, was accused by The Wall Street Journal of using human engineers to build software apps while claiming the process was automated. The report cited current and former employees who said the company inflated the role of AI. Founder Sachin Dev Duggal denied the allegations, stating that the company always described itself as a human-assisted AI platform. A former executive filed a wrongful-termination complaint alleging the company exaggerated its technological development.

Company involved
Engineer.ai

6 source articles · read the reporting →

WF-3WZ49Y1 Jul 2025

Commonwealth Bank worker made redundant after unknowingly training AI chatbot to replace her

Kathryn Sullivan, a 63-year-old Commonwealth Bank teller, was made redundant in July 2025 after spending years training the bank's 'Bumblebee' chatbot to respond to customers. She was unaware that she was helping the AI replace her own role. Sullivan confronted CEO Matt Comyn at the bank's AGM in Brisbane, where chairman Paul O'Malley acknowledged the bank had made a mistake. The Finance Sector Union had brought a case before the Fair Work Commission, resulting in some jobs being offered back, but not all.

Company involved
Commonwealth Bank
AI system involved
Bumblebee

4 source articles · read the reporting →

WF-VNU3Z39 Jul 2025

AI voice clone scams Hillsborough woman out of $15,000

Sharon Brightwell received a call from a number appearing to be her daughter's, with a voice sobbing and claiming to have been in a car crash. A man posing as an attorney demanded $15,000 in bail money, which she paid. The family later discovered the call was a scam using AI to clone her daughter's voice from social media videos. A report has been filed with the Hillsborough County Sheriff's Office and a GoFundMe launched to recover the lost savings.

1 source article · read the reporting →

Deepfake Elon Musk scam costs healthcare worker over $10,000

Heidi Swan, a 62-year-old healthcare worker, lost over $10,000 after investing in a cryptocurrency scheme promoted by deepfake videos of Elon Musk on Facebook and TikTok. The videos, created using artificial intelligence, appeared convincing and led her to believe the endorsement was genuine. Deepfake scams are rising, with AI-generated content contributing to over $12 billion in fraud losses last year, according to Deloitte. Swan's case remains unresolved.

2 source articles · read the reporting →

WF-C3J9XA9 May 2022

Upstart Holdings sued for securities fraud over AI model claims

Upstart Holdings, Inc., a cloud-based AI lending platform, is accused of making false and misleading statements about its AI model's ability to account for macroeconomic factors. The lawsuit, filed on May 13, 2022, alleges that the company's positive statements about its business were materially false. Investors suffered losses when Upstart's stock price fell 56% on May 9, 2022, after the company reduced its fiscal 2022 guidance.

Company involved
Upstart Holdings, Inc.
AI system involved
Upstart AI lending platform

10 source articles · read the reporting →

WF-VD173U1 Jul 2024

Pensioner loses $224k to AI deepfake cryptocurrency scam featuring Prime Minister Luxon

A 72-year-old Taranaki grandmother lost $224,000 after being tricked by an AI-generated deepfake video of Prime Minister Christopher Luxon promoting cryptocurrency investment. The scammers used remote access software to transfer her savings and inheritance. TSB declined liability, stating the victim enabled the scam by granting remote access. Police are investigating.

Company involved
TSB

2 source articles · read the reporting →

Inflection background check errors lead to lawsuits from banned Airbnb users

Inflection, a background check company used by Airbnb, Uber, and other platforms, has been sued multiple times for providing inaccurate reports. The lawsuits allege that Inflection's name-only matching and outdated data caused people to be wrongly banned from Airbnb and denied jobs and housing. Some cases have been settled, while others remain ongoing. The company is accused of violating the Fair Credit Reporting Act.

Company involved
Inflection
AI system involved
Inflection background check

8 source articles · read the reporting →

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