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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68 incidents closest to “Credit Passport” · matched on meaning · public reporting

WF-VFS58P1 Aug 2025

Microsoft Recall still captures credit cards and passwords despite filter

The Register tested Microsoft Recall's sensitive information filter and found it frequently fails to block credit card numbers, passwords, and other personal data. The AI-powered screenshot tool, which is enabled by default on some new PCs, could expose users to identity theft if an attacker gains access. Microsoft declined to comment but has previously acknowledged the filter is not perfect and promised improvements. Privacy advocates warn that vulnerable users, such as domestic violence victims, could be particularly at risk.

Company involved
Microsoft
AI system involved
Recall

2 source articles · read the reporting →

Home Office passport photo checker biased against dark-skinned women

A BBC investigation found the UK Home Office's online passport photo checker was biased against people with darker skin, particularly women. Dark-skinned women were more than twice as likely to be told their photos failed rules compared to lighter-skinned men. One black student, Elaine Owusu, was repeatedly told her mouth looked open despite it being closed. The Home Office said the tool helps users submit correct photos and that systems are improving.

Company involved
Home Office

1 source article · read the reporting →

WF-YHZ9BD1 Jan 2023

CBP One app's facial recognition fails on Black skin tones, migrants report

Migrants and advocates report that the U.S. Customs and Border Protection's CBP One app, used to schedule asylum appointments, frequently crashes and fails to recognize photographs of Black individuals, particularly affecting Haitians. The app also splits families and assigns appointments at distant border crossings, causing long waits in dangerous conditions. CBP did not respond to requests for comment.

Company involved
U.S. Customs and Border Protection
AI system involved
CBP One

4 source articles · read the reporting →

SEC warns public of deep fake investment scams featuring Lance Gokongwei

The Securities and Exchange Commission (SEC) warned the public that scammers are using deep fake videos and audio of Lance Gokongwei to endorse fraudulent investment schemes. The manipulated media circulate on social media, deceiving people into investing in a platform registered in Cyprus. Victims are asked to provide credit card details and OTPs, then lose contact when attempting to withdraw funds. The SEC advises the public to verify investment offers with the agency.

2 source articles · read the reporting →

WF-5IH5EH22 Oct 2019

Gradient app charges users unexpected subscription fees after free trial

The Gradient app, a celebrity lookalike app promoted by the Kardashians, charges users $19.99 per month after a three-day free trial without clear disclosure. Users complained on social media about unexpected credit card charges. The app's developer, Ticket to the Moon, has not addressed the billing complaints but denied collecting user data.

Company involved
Ticket to the Moon, Inc.
AI system involved
Gradient

9 source articles · read the reporting →

WF-XH2W9I1 Sep 2020

Proctortrack data breach exposed student data from online proctoring

Proctortrack, an online proctoring service used by universities, suffered a data breach in September 2020 when its source code was leaked online. An analysis by Consumer Reports found that the code contained hard-coded passwords and exposed the names and email addresses of over 150 students. The company acknowledged the leak but said no harm resulted. Students had been required to use the software, which performed facial recognition and recorded video during exams.

Company involved
Proctortrack
AI system involved
Proctortrack

10 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-BX55BU1 Mar 2022

Serbia's Social Card law could harm marginalized groups

Serbia's Social Card law, which entered into force on 1 March 2022, establishes a centralized government database to assess eligibility for social security support. Amnesty International and seven other rights organizations submitted a legal opinion to the Constitutional Court, alleging that the automated system is an intrusive surveillance system that could discriminate against Roma communities and people with disabilities. The system processes 130 categories of personal data and lacks transparency, potentially leading to errors and denial of benefits.

Company involved
Serbian government
AI system involved
Social Card system

10 source articles · read the reporting →

DeepScore markets facial and voice analysis app for trustworthiness scoring despite experts' doubts

DeepScore, a Tokyo-based company, is marketing an app that uses facial and voice recognition to score people's trustworthiness for lenders and insurers in Japan, Indonesia, Vietnam and the Philippines. The company says the app can detect deception with 70 per cent accuracy, but researchers and privacy advocates say there is no reliable scientific basis for such judgments and warn of discrimination and privacy harms. The chief executive said the system is only one part of lenders' and insurers' decision-making and that people can choose not to use it. Critics respond that an unequal balance of power makes consent difficult.

Company involved
DeepScore
AI system involved
DeepScore

6 source articles · read the reporting →

WF-SQJYDZ22 Oct 2020

CBSE introduces facial recognition system for students to access digital documents

The Central Board of Secondary Education (CBSE) has introduced a facial recognition system for Class 10 and 12 students to access their digital academic documents. A live image of the student is compared with the photograph on their CBSE admit card and, if the match succeeds, the certificate is emailed to them. The facility is available on Digi Locker for 2020 records and is expected to help foreign students and those unable to open a Digi Locker account.

Company involved
Central Board of Secondary Education (CBSE)
AI system involved
Facial Recognition System

10 source articles · read the reporting →

WF-IEVM2516 Mar 2021

Facebook Allowed Age-Targeted Credit Card Ads Violating Its Policy

The Markup found that four companies—Aspiration, Hometap, Chime, and Varo Bank—ran Facebook ads for credit cards and home equity loans that were targeted by age, excluding users under 25 or 35. This practice violates Facebook's own anti-discrimination policy and may violate the Equal Credit Opportunity Act and California's Unruh Civil Rights Act. Facebook did not respond to requests for comment, and some advertisers said they would review their ad targeting.

Company involved
Facebook
AI system involved
Facebook Ad Platform

9 source articles · read the reporting →

WF-ASJEKJ1 Jan 2021

GSMA fined €200,000 for facial recognition privacy violation at MWC

In 2021, Dr Anastasia Dedyukhina was invited to speak at Mobile World Congress in Barcelona. The organizers required her to upload biometric data (passport) online for identity verification, which she refused. She was then forced to attend virtually. She filed a complaint with the Spanish data protection agency (AEPD) along with Adam Leon Smith. Two years later, the AEPD fined GSMA €200,000 for infringing the privacy of nearly 20,000 attendees through the use of facial recognition without proper justification.

Company involved
GSMA

10 source articles · read the reporting →

WF-G3SQSO1 Jan 2018

Canadian Tire chided by BC privacy commissioner for facial recognition without consent

Canadian Tire deployed facial recognition in at least four British Columbia stores between 2018 and 2021 to curb theft and increase staff safety. The BC Privacy Commissioner investigated and found the retailer failed to show a reasonable purpose and did not obtain customer consent, violating the province's Personal Information Protection Act. After the investigation was announced, Canadian Tire discontinued use of the system at all 12 locations and deleted customer data. The commissioner recommended stronger privacy policies and government regulation of biometric technologies.

Company involved
Canadian Tire

10 source articles · read the reporting →

Amazon expands palm-scanning payments to all Whole Foods stores amid privacy concerns

Amazon is expanding its Amazon One palm-scanning payment system to all Whole Foods stores by the end of 2023. The biometric technology, which creates a unique palm signature from vein patterns, is used for payments and identification. Privacy advocates and lawmakers have raised concerns about surveillance, data sharing, and security risks. Amazon faces a class action lawsuit under New York City's biometric privacy law for allegedly failing to provide adequate notice.

Company involved
Amazon
AI system involved
Amazon One

9 source articles · read the reporting →

Study finds credit score algorithms less accurate for minorities

A study of 50 million US consumers found that credit scoring algorithms used by mortgage lenders are less accurate for minority and low-income applicants due to sparse credit data, leading to higher rejection rates. The inaccuracy is due to noise in the data, not bias, so fairer algorithms cannot fix it. The study suggests that adjusting for bias had no effect, and that addressing the inaccuracy could reduce disparities by 50%.

Company involved
Mortgage lenders (unnamed)
AI system involved
Credit scoring algorithms

6 source articles · read the reporting →

WF-XHWUDY14 Jun 2022

Zhengzhou officials punished for red health codes on depositors

Five officials in Zhengzhou were punished for ordering red health codes to be assigned to 1,317 depositors of four village banks, restricting their movement and preventing them from withdrawing savings. The officials acted without authorization, and the codes were later turned green after media coverage. Legal experts say the liability for privacy invasion remains unresolved, and the banks may face breach of contract claims.

Company involved
Zhengzhou municipal government
AI system involved
Health code system

10 source articles · read the reporting →

WF-BQBMHB4 Aug 2023

WorldCoin suspended in Kenya over data security concerns

WorldCoin, a digital identification protocol using iris scans, was suspended by Kenyan regulators (ODPC and Communications Authority) over concerns about data security, consent, and oversight. The system had issued digital IDs and cryptocurrency tokens to over 350,000 Kenyans. Reports of hacked orb operators and iris scans traded on the dark web have also emerged.

Company involved
Tools for Humanity GmbH
AI system involved
WorldCoin

10 source articles · read the reporting →

WF-LEN91Y1 May 2021

US CBP deploys CBP One app using facial recognition for asylum seekers amid privacy concerns

The article reports that U.S. Customs and Border Protection quietly deployed the CBP One mobile app at the Mexico border. The app uses facial recognition and geolocation to collect and verify information on asylum seekers before they enter the United States. Privacy experts warn that the app poses risks of persistent surveillance and that the facial recognition algorithm is unreliable for people of colour. A previous CBP facial recognition pilot was hacked, exposing images. CBP says the app is voluntary and data is secure.

Company involved
U.S. Customs and Border Protection
AI system involved
CBP One

8 source articles · read the reporting →

N-Tech.lab's FindFace used to identify St Petersburg metro passengers without consent

Egor Tsvetkov photographed passengers on the St Petersburg metro without their permission and used N-Tech.lab's facial recognition service FindFace to match their faces to public Vkontakte profiles. He published the results in an art project called 'Your Face is Big Data', saying he wanted to show how 'digital narcissism' can lead to stalking. Privacy advocates said the project was ethically problematic because the subjects had not consented and their identities were exposed. FindFace had been launched by N-Tech.lab in February 2016.

Company involved
N-Tech.lab
AI system involved
FindFace

8 source articles · read the reporting →

WF-ROMQCH5 Feb 2024

OnlyFake site uses neural networks to generate fake IDs, bypasses OKX verification

An underground website called OnlyFake uses neural networks to generate realistic photos of fake IDs for $15. The journalist tested the service and obtained a convincing California driver's license. They then used another fake ID to successfully bypass the identity verification process on OKX, a cryptocurrency exchange. The article alleges that this technology could streamline bank fraud and money laundering, but reports no actual financial loss.

Company involved
OKX
AI system involved
OnlyFake

10 source articles · read the reporting →

Northeast Ohio man scammed out of $20,000 by deepfake Elton John video

A 71-year-old man in Northeast Ohio was scammed out of $20,000 after watching a deepfake video of Elton John on Instagram that falsely promised easy money through an online store. He was guided by two individuals posing as company representatives to open bank accounts and credit cards, which they then used to charge his cards. The victim, who was working part-time and seeking extra income, is now in debt and has returned to full-time work. One credit card company has credited $9,400, and he is working to recover the remaining funds.

1 source article · read the reporting →

CJEU rules Dun & Bradstreet must explain automated credit decisions under GDPR

A customer was refused a mobile phone contract because of an automated credit assessment by Dun & Bradstreet Austria. The customer took the case to court, which found that Dun & Bradstreet had infringed the GDPR by failing to provide meaningful information about the logic involved. The CJEU ruled that data controllers must explain automated decisions and that trade secrets cannot automatically override the right of access.

Company involved
Dun & Bradstreet Austria GmbH

7 source articles · read the reporting →

WF-9VIXU423 Mar 2026

Woman denied state welfare card groceries after face scan fails

A grandmother rode her motorcycle several kilometres to a shop in Sapphaya district, Chai Nat province, to use her state welfare card to buy groceries for her family. After selecting items, she failed repeated facial recognition scans because her ID card photo was years old and no longer matched her appearance. She left the shop empty-handed and in tears.

Company involved
Government of Thailand (state welfare card system)

2 source articles · read the reporting →

WF-KBAMLJ1 Oct 2024

Parking Enforcement Services wrongly fines parents due to faulty licence plate cameras

Dozens of parents at a Christchurch childcare centre were wrongly issued $85 parking fines by Parking Enforcement Services after its licence plate recognition cameras failed to accurately capture multiple short visits. The company acknowledged some misreads and waived fines on appeal, but parents described the process as stressful and time-consuming. An additional camera was installed to improve accuracy.

Company involved
Parking Enforcement Services

1 source article · read the reporting →

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