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.

Clear

45 incidents closest to “Risk Adjustment” · matched on meaning · public reporting

WF-QMPLNA12 Feb 2026

Woolworths' Olive chatbot gave customers false personal stories about having a mother

In February 2026, customers of Australian supermarket Woolworths reported that its AI chatbot Olive generated irrelevant personal stories, including claiming to have an 'angry mother'. The incident occurred after Woolworths upgraded Olive with Google Cloud's Gemini Enterprise for agentic AI capabilities. Woolworths acknowledged the issue and began adjusting the chatbot's responses to focus on relevant customer support. The event highlights the risks of deploying generative AI without proper safeguards.

Company involved
Woolworths
AI system involved
Olive

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 →

WF-2MHCVS1 Jan 2013

Study Finds COMPAS Sentencing Algorithm No More Accurate Than Random People, Shows Racial Bias

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.

Company involved
Broward County courts
AI system involved
COMPAS

10 source articles · read the reporting →

WF-9UQE2Q1 Jan 2019

Clinical algorithm showed racial bias in health care recommendations

In 2019, a study revealed that a clinical algorithm used by many hospitals to identify patients needing extra care was racially biased. Black patients had to be significantly sicker than white patients to be recommended for the same care, due to the algorithm being trained on historical health care spending data that reflected racial disparities. The bias was eventually detected and corrected, but the incident raised concerns about the potential for AI to worsen medical racism.

5 source articles · read the reporting →

St George's admissions algorithm biased against women and ethnic minorities

In the late 1970s and 1980s, St George's Hospital Medical School used a computer algorithm to automate the first round of its admissions process, scoring applicants based on historical data. The model was found to discriminate against female applicants and those with non-European-looking names, denying them interviews. The bias was discovered by two professors, and the university co-operated with a Commission for Racial Equality inquiry, subsequently contacting affected applicants and offering some places.

Company involved
St George's Hospital Medical School

4 source articles · read the reporting →

WF-LE6SZV1 Jan 2017

Rotterdam's Welfare Fraud Algorithm Discriminated by Gender and Ethnicity

The city of Rotterdam deployed a machine learning algorithm built by Accenture to flag welfare recipients for fraud investigation. The system used personal data including gender, language, and subjective caseworker notes to generate risk scores, leading to investigations that disproportionately targeted women and migrants. An external review found the algorithm discriminatory and inaccurate, prompting the city to suspend its use in 2021. The system's opacity made it nearly impossible for those flagged to challenge the decisions.

Company involved
City of Rotterdam

6 source articles · read the reporting →

Physicians and students push to remove race from kidney function test eGFR

The eGFR kidney test, which estimates kidney function, has historically included race as a factor based on the assumption that Black people have higher muscle mass. This can overestimate kidney function in Black patients, potentially delaying treatment and transplant listing. Medical students and physicians have petitioned hospitals to stop using race, and some institutions have already changed their protocols. The National Kidney Foundation and American Society of Nephrology announced a task force to evaluate the use of race in the test.

AI system involved
estimated glomerular filtration rate (eGFR) test

3 source articles · 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-DBUL6X20 Dec 2021

DOJ's Pattern Algorithm Shows Racial Disparities in Early Release Decisions

The U.S. Department of Justice's Pattern risk assessment algorithm, used to determine federal prisoners' eligibility for early release under the First Step Act, was found to produce racial disparities. A December 2021 DOJ report revealed that the tool overpredicted recidivism risk for Black, Hispanic, and Asian inmates, with only 7% of Black prisoners classified as minimum risk compared to 21% of white prisoners. Civil rights groups have called for the suspension of the tool, while the DOJ is working on an overhaul and reevaluating 14,000 prisoners who were misclassified.

Company involved
U.S. Department of Justice
AI system involved
Pattern

1 source article · read the reporting →

WF-MZ24NZ1 Sep 2020

Universities' use of race in student risk algorithms harms Black and Latinx students

The Markup found that several universities, including UMass Amherst, UW–Milwaukee, and Texas A&M, use EAB's Navigate software which incorporates race as a predictor of student dropout risk. The algorithms label Black and Latinx students as high risk at disproportionately high rates compared to White students. Students, professors, and experts worry this is pushing minority students out of math and science majors through biased advising.

Company involved
University of Massachusetts Amherst,University of Wisconsin–Milwaukee,Texas A&M University,Texas Tech University,South Dakota State University
AI system involved
Navigate

1 source article · read the reporting →

WF-P5TD2E1 Nov 2023

CMS warns insurers against using AI to deny Medicare Advantage care

The Centers for Medicare & Medicaid Services (CMS) clarified that health insurers cannot use algorithms or AI to deny care to Medicare Advantage members. This follows lawsuits alleging UnitedHealth and Humana used an AI tool, nH Predict, to wrongfully deny post-acute care to elderly patients. The tool reportedly produced rigid estimates ignoring individual patient needs, leading to premature denials. CMS warned that non-compliance could result in penalties and increased audits.

Company involved
UnitedHealth, Humana
AI system involved
nH Predict

10 source articles · read the reporting →

WF-NPLCSW6 May 2021

California vaccine equity algorithm may exclude 2 million vulnerable residents

An ACLU of Northern California analysis alleges that California's Department of Public Health used an algorithm, built by Blue Shield, that allocates additional COVID-19 vaccine supply based on ZIP codes rather than census tracts. The analysis found that this approach could leave over 2 million people living in disadvantaged neighbourhoods, disproportionately communities of colour, without prioritised access to the vaccine. The ACLU called on the state to review the affected areas and explain how it will ensure these residents are not left behind.

Company involved
California Department of Public Health
AI system involved
Healthy Places Index

1 source article · read the reporting →

Idaho Medicaid used secret formula to cut assistance for disabled adults

The Idaho Department of Health and Welfare used a secret formula to drastically cut Medicaid assistance for adults with developmental disabilities, claiming the formula was a trade secret. The ACLU of Idaho filed a class action lawsuit, K.W. v. Armstrong, in 2012, alleging the cuts violated due process. A federal court struck down the formula in 2016 and ordered a new system, but as of 2024, a fair system has not yet been implemented.

Company involved
Idaho Department of Health and Welfare

10 source articles · read the reporting →

WF-XHTPKC15 Oct 2024

France: CNAF's discriminatory risk-scoring algorithm must be stopped

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.

Company involved
CNAF

2 source articles · read the reporting →

WF-1GYM741 Aug 2020

Austrian court lifts ban on AMS job-chance prediction algorithm

The Austrian Federal Administrative Court overturned a ban by the Data Protection Authority on the AMS algorithm, which predicts job chances of unemployed people. The system, trained on historical data including age, gender, and nationality, categorises individuals as high, medium or low chance of re-employment. Critics argue it discriminates against women and mothers, and that the data is now outdated due to the COVID-19 pandemic. The court ruled that the algorithm is lawful as long as a human advisor makes the final decision on training support.

Company involved
Arbeitsmarktservice (AMS)
AI system involved
AMS-Algorithmus

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 →

University of Chicago report finds US healthcare algorithms rife with bias

A University of Chicago report alleges that algorithms used by hospitals, insurers and other businesses across the US are biased along racial and economic lines. The algorithms help triage patients, predict diabetes and flag those needing extra care, but the report says flawed products were introduced with little oversight. It says inequitable treatment has continued for more than a decade.

7 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-BSSRTA30 Apr 2019

Danish law enables algorithm to profile unemployed for long-term risk

The Danish parliament passed a law in April 2019 that allows an algorithm to analyse personal data of all unemployed individuals to identify those at risk of long-term unemployment. The system uses data on ethnicity, age, health, and education history to produce a risk score for social workers. Critics, including legal experts and unemployment insurance funds, argue the profiling is stigmatising, lacks transparency, and may violate GDPR. The Danish Data Protection Authority has reopened its review of the law.

Company involved
Danish Ministry of Employment

10 source articles · read the reporting →

UnitedHealthcare sued for using AI to deny Medicare Advantage patients care

A class action complaint alleges that UnitedHealthcare and its subsidiary naviHealth deployed an artificial intelligence model to override treating physicians' determinations of medically necessary care for elderly Medicare Advantage patients. The complaint claims the AI model has a known 90% error rate and wrongfully denied patients care. The lawsuit, filed in the U.S. District Court for the District of Minnesota, seeks damages on behalf of the estates of two deceased patients and all others similarly situated.

Company involved
UnitedHealthcare, Inc.

10 source articles · read the reporting →

WF-R2SNAZ1 Jan 2013

UnitedHealth used ALERT algorithm to limit mental health coverage, regulators found

ProPublica reports that UnitedHealth Group's Optum subsidiary used the ALERT algorithm to flag mental health patients and therapists as outliers, leading to therapy coverage denials. Regulators in California, Massachusetts and New York alleged this breached the federal Mental Health Parity and Addiction Equity Act, and UnitedHealth agreed to restrict the system in those jurisdictions. The company denies wrongdoing and says its programmes are compliant. Affected patients, including Medicaid enrollees, were left to pay out-of-pocket or go without care.

Company involved
UnitedHealth Group
AI system involved
ALERT

5 source articles · read the reporting →

WF-SKRYGZ1 Jan 2018

NHS liver transplant algorithm causes longer waits for younger patients

An NHS computer algorithm that prioritises liver transplant patients most likely to die soon has led to younger patients waiting 156 days longer on average than those over 60. The algorithm, launched in 2018, gives a score based on 21 recipient and seven donor parameters. Patients like Sarah Meredith, 31, have been waiting two years for a transplant. NHS Blood and Transplant defends the system as saving lives but acknowledges the stress on younger patients.

Company involved
NHS Blood and Transplant

10 source articles · read the reporting →

WF-YPK67D1 Feb 2021

NHS QCovid algorithm incorrectly labels young patients as high risk, causing vaccine call-up

The article reports that scientists are questioning the reliability of the QCovid risk prediction algorithm used by the NHS to prioritise COVID-19 vaccinations. Due to missing data on weight or ethnicity, the algorithm automatically assigns a high BMI and high-risk ethnicity, leading to young, healthy patients being incorrectly labelled as high risk and called for early vaccination. GPs have identified hundreds of such cases, causing anxiety and potentially delaying vaccinations for more vulnerable individuals. NHS Digital acknowledged the issue and said clinicians can remove patients from the shielding list.

Company involved
NHS
AI system involved
QCovid

10 source articles · read the reporting →

WF-3333OU22 Sep 2021

EviCore denied heart catheterization for patient using algorithm

In fall 2021, Little John Cupp's doctor requested a left heart catheterization exam. EviCore, a company hired by UnitedHealthcare, denied the request twice using an algorithm called 'the dial' that adjusts thresholds for review. The algorithm flagged the request for review, and EviCore's doctors determined it was not medically necessary. Cupp did not receive the procedure and his symptoms continued.

Company involved
EviCore (a Cigna company)
AI system involved
the dial

6 source articles · read the reporting →

page 1 of 2Older →