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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44 incidents closest to “Sixfold Property & Casualty Underwriting” · matched on meaning · public reporting

WF-CI8YP97 Aug 2026

Lawyer for State Farm Fined $999.99 Over 7 Fake AI Case Citations - Law Commentary

AI legal research tool generated seven nonexistent case citations in pretrial filings, affecting the court and opposing party.

Company involved
State Farm General Insurance Company
AI system involved
Irys

1 source article · read the reporting →

WF-1CLA2811 Aug 2026

AI hallucinated case law in insurance company’s filings in L.A. County house fire dispute - Los Angeles Times

AI generated false legal citations that were submitted in court, affecting the plaintiff in an insurance dispute.

Company involved
State Farm
AI system involved
Irys

1 source article · read the reporting →

WF-4U7TGM1 Sep 2021

Cigna uses algorithm to deny medical claims without doctor review

Cigna, one of the largest health insurers, used an algorithm called PXDX to automatically deny medical claims. The system flagged mismatches between diagnoses and procedures, and company doctors signed off on denials in batches without reviewing patient files. One patient, Nick van Terheyden, was denied coverage for a $350 vitamin D test that his doctor had ordered. Former employees said the system saved Cigna billions of dollars but left patients with unexpected bills.

Company involved
Cigna
AI system involved
PXDX

10 source articles · read the reporting →

AI Hiring Platform Faces FCRA Class Action Over Data Use | Kistler et al. v. Eightfold AI Inc.

The AI platform screened job applicants, affecting their hiring prospects.

Company involved
Eightfold AI
AI system involved
Eightfold AI

1 source article · read the reporting →

WF-XT66PD1 Jan 2026

AI Lawsuit Pushes the Boundaries of AI Litigation—and May Signal a New Wave

Ranked job applicants' likelihood of success, affecting their hiring prospects.

Company involved
Eightfold AI Inc.
AI system involved
Eightfold AI Hiring Platform

1 source article · read the reporting →

Body Shop Owners Unhappy with Insurers' AI Repair Estimates

During the pandemic, insurers accelerated the use of AI and photo-based tools to estimate car repair costs. Body shop owners say the estimates are often inaccurate, missing hidden damage and leading to more time haggling over prices. The insurance industry acknowledges the technology is new and evolving, but repairers argue it cannot replace in-person inspections.

Company involved
Various insurance companies
AI system involved
AI-based photo estimation tools (e.g., CCC Smart Estimate, Tractable)

1 source article · read the reporting →

Resume prompt injection tricks AI hiring - moneywise.com

AI screening system determined which job applicants to advance to the next stage of recruitment.

1 source article · read the reporting →

WF-8PNW6723 Dec 2025

Single mom loses six-figure job after alleged background check errors

The background check system flagged discrepancies in employment history, causing the employer to rescind a job offer to Krishan Tucker.

Company involved
HireRight
AI system involved
HireRight

1 source article · read the reporting →

SafeRent Settles Class Action Over Tenant Screening for Voucher Holders

Mary Louis and Monica Douglas filed a class action lawsuit in 2022 alleging that SafeRent Solutions' SafeRent Score product discriminated against rental applicants in Massachusetts who held public housing vouchers, violating fair housing and consumer protection laws. SafeRent denied wrongdoing. The court approved a settlement in November 2024, and payments were distributed to eligible class members in 2025 and 2026.

Company involved
SafeRent Solutions, LLC
AI system involved
SafeRent Score

5 source articles · read the reporting →

WF-93NTD525 Apr 2019Korean

Tesla Autopilot Fatal Crash Compensation Set at $243 Million — How Ad Language Redefines Automotive Liability

테슬라 오토파일럿 사망사고 배상 2,430억 원 확정 — 광고 문구가 바꿀 자동차 책임의 경계 - 얼리어답터뉴스

A U.S. federal court finalized $243 million in damages against Tesla for a 2019 fatal crash involving Autopilot. The jury found Tesla's marketing language misled consumers about the system's capabilities, assigning the company 33% of the blame and imposing $200 million in punitive damages.

Company involved
Tesla
AI system involved
Autopilot

1 source article · read the reporting →

WF-SFAF361 Aug 2026ZH-CN

Driver at Fault in Driver-Assist Crash Seeks Compensation; Li Auto Rejects Full Payout

开辅助驾驶撞车全责车主索赔 理想回应拒绝全额赔偿 - 中华网

A Li Auto owner crashed into an oncoming vehicle while using driver-assist on a downhill curve, and police assigned full liability. The owner demanded a car refund then 50,000 yuan for losses, but Li Auto offered only about 18,000 yuan for direct accident expenses, maintaining that drivers must remain attentive and ready to take over.

Company involved
Li Auto
AI system involved
Li Auto assisted driving

1 source article · read the reporting →

WF-JCS1A01 Jul 2025

Lieff Cabraser and Greer Injury Lawyers Announce Federal Class Action Lawsuit Against X.AI Corp and MZX Tech LLC for Nuisance,…

The data centers and gas turbines emitted constant noise, vibrations, and particulate matter, affecting residents' ability to use and enjoy their properties.

Company involved
X.AI Corp and MZX Tech LLC
AI system involved
Colossus I, Colossus II, MACROHARDRR, Minihard data centers and gas turbines

1 source article · read the reporting →

WF-FPFUBS1 Jun 2021

How Your Shadow Credit Score Could Decide Whether You Get an Apartment - ProPublica

Tenant screening companies assign renters a score drawn from data far wider than credit history, an industry subject to less regulation than credit scoring agencies. ProPublica reports that experts warn these algorithms can decide who gets an apartment on the basis of information applicants cannot see or correct. Kim Fuller was denied a rental application on such a score.

Company involved
Habitat America
AI system involved
RentGrow

1 source article · read the reporting →

WF-AYFJ2A1 Jan 2018

Schufa's Black-Box Scoring Unfairly Penalises Consumers with Positive Credit Data

An investigation by SPIEGEL and BR Data reveals that Schufa's credit scoring algorithm often assigns poor risk scores to consumers with only positive credit information. One consumer, Sven Drewert, was denied a credit card limit increase despite having no negative entries. The algorithm uses limited data, and its secret formula can lead to arbitrary categorisations, affecting access to loans, phone contracts, and housing. The system's opacity and potential biases raise concerns about fairness and accountability.

Company involved
Schufa Holding AG
AI system involved
Schufa Score

2 source articles · read the reporting →

WF-CESBK714 Oct 2024

Portland Water Bureau AI pilot offers discount to billionaire CEO

The Portland Water Bureau used a machine learning system in a randomised control trial to identify customers for its financial assistance programme. The system selected Columbia Sportswear CEO Tim Boyle, a billionaire and one of the city's largest residential water consumers, for a 40% water bill discount. Boyle declined the discount, stating it should go to someone who needs it. The bureau is testing whether the SERVUS algorithm can accurately identify customers' ability to pay.

Company involved
Portland Water Bureau
AI system involved
Smart Discount Program

1 source article · read the reporting →

Arity collected drivers' data via apps for insurance scores

Popular smartphone apps including Life360, MyRadar and GasBuddy reportedly shared users' location and motion data with Arity, an Allstate-owned company. Arity used the data to calculate driving scores that could be sold to car insurers to set rates. Users were said not to be clearly informed that their data would be used for insurance pricing. Life360 and Arity stated that users had to opt in and that no personally identifiable driving data was shared without consent.

Company involved
Arity
AI system involved
Arity IQ network

2 source articles · read the reporting →

WF-H8TVUM1 Nov 2021

Zillow shuts down iBuying after algorithms cause $380 million loss

Zillow shut down its Zillow Offers iBuying business after its pricing algorithms, known as Zestimates, consistently overvalued homes. The company purchased thousands of homes at above-market prices and is now selling many at a loss, expecting to lose an estimated $380 million. Zillow attributed the failure to the algorithms' inability to accurately forecast home prices in a volatile market. The company will write off $569 million in home inventory and lay off 25% of its staff.

Company involved
Zillow
AI system involved
Zestimates

5 source articles · read the reporting →

WF-YFC2FF29 Oct 2015

CFPB fines General Information Services for inaccurate background checks

The Consumer Financial Protection Bureau took action against General Information Services and its affiliate e-Background-checks.com for failing to ensure the accuracy of employment background screening reports. The companies allegedly provided inaccurate criminal history information to employers, potentially affecting job applicants' eligibility and causing reputational harm. The CFPB ordered the companies to provide $10.5 million in relief to harmed consumers and pay a $2.5 million penalty.

Company involved
General Information Services

10 source articles · read the reporting →

WF-U0N47113 Apr 2010

Wells Fargo software error caused hundreds of faulty foreclosures

Wells Fargo disclosed that a software error in its mortgage modification underwriting tool caused incorrect denials of loan modifications for approximately 870 borrowers between 2010 and 2015. The error miscalculated attorneys' fees, leading to 545 foreclosures that should not have occurred. Wells Fargo set aside $8 million for remediation and is contacting affected customers to offer compensation and mediation.

Company involved
Wells Fargo

3 source articles · read the reporting →

UDR Sued Over Alleged Use of RealPage Algorithm to Set Rents in San Diego

A class action lawsuit alleges that UDR, Inc. used RealPage's YieldStar algorithmic pricing software to set rental rates and occupancy levels for its San Diego properties, in violation of a local ordinance. The suit claims the software relied on nonpublic competitor data, contributing to inflated rents and making housing less affordable. The lawsuit, filed in July 2026, seeks to represent all affected tenants. UDR has previously acknowledged using YieldStar as one tool among others in its decision-making.

Company involved
UDR, Inc.
AI system involved
RealPage YieldStar

1 source article · read the reporting →

WF-JWRXGY7 Jul 2020

Cense exposed 2.5 million records of auto accident victims online

On July 7, 2020, a security researcher discovered 2.5 million records containing personal and medical data of auto accident victims exposed online. The records, belonging to New York-based AI company Cense, included names, insurance policy numbers, claim numbers, and medical diagnosis notes. The data was labeled as staging data, possibly intended for temporary storage before being loaded into an AI system. After the researcher sent a responsible disclosure notice, Cense restricted public access to the database.

Company involved
Cense
AI system involved
Cense

5 source articles · read the reporting →

WF-GP9JON1 Jan 2013

Allstate's proposed retention model charged big spenders more in Maryland

Allstate proposed an auto insurance rate adjustment plan in Maryland using a retention model algorithm that varied premium changes based on existing premiums. The algorithm would have increased rates up to 20% for customers already paying the highest premiums while capping increases at 5% for others, and would have denied meaningful discounts to thousands owed reductions. The Maryland Insurance Administration rejected the plan as discriminatory, but Allstate claims it was withdrawn and has continued proposing similar models elsewhere. The proposal never took effect in Maryland.

Company involved
Allstate Corporation
AI system involved
retention model

9 source articles · read the reporting →

Study finds Italian car insurers charge more based on birthplace

A study by the Universities of Padua, Udine and Carnegie Mellon found that Italian car insurers, including Genertel, Mps, Quixa and Con.Te, use birthplace and citizenship in pricing algorithms, charging some drivers over €1,000 more. The practice was ruled against in a 2018 decree involving Linear, but the study says it continues. The companies contacted denied or explained the findings.

Company involved
Genertel, Mps, Quixa, Con.Te

8 source articles · read the reporting →

WF-VR6R0O1 Aug 2019

LoanDepot algorithm denied mortgage to Black couple in Charlotte

In August 2019, Crystal Marie and Eskias McDaniels, a Black couple, were denied a mortgage for a house in Charlotte, North Carolina, by loanDepot's automated underwriting algorithm. The algorithm rejected the application because Crystal Marie was a contractor, not a full-time employee, despite her high credit score and income. After the couple enlisted their real estate agent and employer to intervene, the lender reversed the decision and cleared them to close. The couple alleged that race played a role in the denial, which loanDepot denied.

Company involved
loanDepot
AI system involved
Classic FICO and Fannie Mae/Freddie Mac automated underwriting software

10 source articles · read the reporting →

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