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.
44 incidents closest to “Plaid LendScore” · matched on meaning · public reporting
Massachusetts financial consultant Mozart Saint Cyr leads a proposed class of job applicants who say JPMorgan Chase's use of HireVue one-way video interviews amounted to a lie detector test banned by state law. After a federal judge dismissed the case, they asked the First Circuit to revive it.
1 source article · read the reporting →
The AI platform screened job applicants, affecting their hiring prospects.
1 source article · read the reporting →
A study by Dartmouth College researchers found that the COMPAS recidivism risk assessment algorithm, used by judges in several US states, is no more accurate than random people recruited online. The algorithm, developed by Equivalent, exhibited racial bias by classifying black defendants as higher risk and white defendants as lower risk, leading to harsher rehabilitation recommendations for black defendants. The bias likely stems from skewed arrest rate data. The findings build on a 2016 ProPublica investigation.
10 source articles · read the reporting →
Checkr's system misreported criminal records belonging to someone else on Natasha Davis's consumer report, impeding her ability to gain employment.
1 source article · read the reporting →
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.
5 source articles · read the reporting →
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.
1 source article · read the reporting →
In late 2019, David Heinemeier Hansson alleged on Twitter that the Apple Card underwriting algorithm, operated by Goldman Sachs, gave him a higher credit limit than his wife despite similar financial profiles. The New York Department of Financial Services investigated and found no violation of fair lending laws, but critics argue the audit methodology was outdated and failed to detect proxy discrimination. Apple later updated its credit policy to allow spouses to combine credit files, acknowledging a lack of fairness in industry credit scoring.
6 source articles · read the reporting →
Hello Digit, a fintech company, used an automated savings algorithm that made transfers from consumers' checking accounts, falsely guaranteeing no overdrafts. The algorithm caused customers to incur overdraft fees, and the company often denied reimbursement requests. The CFPB found that Hello Digit engaged in deceptive practices and ordered the company to pay redress to harmed consumers and a $2.7 million fine.
1 source article · read the reporting →
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.
2 source articles · read the reporting →
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.
1 source article · read the reporting →
The Sysdig Threat Research Team observed an attack where stolen cloud credentials were used to access cloud-hosted large language model services. The attackers targeted a vulnerable Laravel system to obtain credentials, then used them to invoke models like Anthropic Claude on AWS Bedrock. They intended to sell LLM access to other cybercriminals, potentially costing victims over $46,000 per day. The attack involved checking credentials against ten AI services and using a reverse proxy to manage access.
2 source articles · read the reporting →
The Competition Bureau of Canada is investigating allegations that major corporate landlords, including Dream Unlimited, used AI-powered software YieldStar to coordinate rent increases. Tenant advocacy groups filed over 100 complaints, claiming the software recommended above-market rents, exacerbating housing affordability. Some landlords have since halted use of YieldStar amid public backlash, while the investigation continues.
7 source articles · read the reporting →
A journalist used an AI-generated clone of his own voice to bypass the voice authentication system of Lloyds Bank, gaining access to his account. The experiment, conducted using ElevenLabs' free voice synthesis service, demonstrated that voice biometrics can be fooled by synthetic voices. Lloyds Bank stated it is aware of the threat and is deploying countermeasures, but has not seen real-world fraud using this method. The incident raises concerns about the security of voice verification used by many banks.
1 source article · read the reporting →
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.
2 source articles · read the reporting →
A study of mortgage lending from 2012-2018 found that Latinx and African-American borrowers were charged higher interest rates than white borrowers with similar credit risk. FinTech algorithms reduced the disparity by 40% but did not eliminate it. The discrimination costs minority borrowers an estimated $765 million per year in extra interest.
10 source articles · read the reporting →
RealPage's YieldStar algorithm uses private competitor data to recommend rent increases for apartment units. Landlords adopt up to 90% of the suggestions, leading to higher rents for tenants. Critics allege the software may facilitate indirect price-fixing in violation of antitrust law. The company denies wrongdoing and says the software helps eliminate collusion.
10 source articles · read the reporting →
Amnesty International and coalition partners filed a complaint with the Council of State against CNAF's risk-scoring algorithm used to detect benefit overpayments. The algorithm assigns risk scores based on criteria that discriminate against vulnerable groups, including those with disabilities, single parents, and low-income households. The complaint alleges the system violates human rights to equality and privacy. The EU AI Act's social scoring ban may apply, but its definition remains unclear.
2 source articles · read the reporting →
The Educational Testing Service's E-rater algorithm, used to grade essays on the GRE and other standardized tests, has been found to systematically give higher scores to students from mainland China and lower scores to African American students compared to human graders. The bias stems from the algorithm's reliance on surface-level metrics like vocabulary and sentence length, which disadvantage certain groups. Despite studies dating back to 1999, the bias persists, and in many states, only a small percentage of essays are reviewed by humans.
10 source articles · read the reporting →
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 →
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.
8 source articles · read the reporting →
The Los Angeles Homeless Services Authority uses the VI-SPDAT scoring system to prioritise unhoused people for subsidised permanent housing. An investigation by The Markup found that Black and Latino people consistently receive lower vulnerability scores than White people, leading to lower priority for housing. The agency has acknowledged the racial disparities and is working on a new tool, but continues to use the current system.
10 source articles · read the reporting →
Nevada replaced its income-based school funding formula with a machine learning model developed by Infinite Campus that generates a 'grad score' for each student. The model reduced the number of students eligible for supplemental funding from 288,000 to 63,000, disproportionately affecting low-income students. Critics argue the model lacks transparency and de-emphasizes economic status, potentially leaving many high-poverty schools underfunded.
7 source articles · read the reporting →
Tate Ryan-Mosley, a journalist at MIT Technology Review, used Qoves Studio's AI facial assessment tool, which automatically scored her face and listed perceived flaws such as smile lines and under-eye bags. The tool recommended skin-care products and paid surgical consultation reports. She also tried Megvii's Face++ beauty-scoring system, which gave her two percentage attractiveness scores. The article raises concerns that such algorithms are inaccurate, biased and not transparently used by social media platforms.
9 source articles · read the reporting →
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.
6 source articles · read the reporting →
