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米国の報告書、「壊滅的」なデートアプリ詐欺の実態を詳述

原題: US report details extent of 'devastating' dating-app scams

romance scamsdating appsmatch grouptinderfinancial fraudmachine learningai modelscryptocurrency
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日本語訳

# 米国の報告書、デーティングアプリによる「壊滅的な」詐欺の実態を詳述

メアリーは2024年、デーティングアプリ「Plenty of Fish」である男性と出会った。彼女はGuardian紙に対し、人とのつながりを求めていたものの、結果として約10万ドル(約1,500万円)の被害をもたらすロマンス詐欺の犠牲になったと語った。

「最初はたくさん会話をしていたのですが、その後、絶え間ない連絡、プレッシャー、そして繰り返される金銭の要求が始まりました」と、名字の公表を控えることを希望したメアリーは、火曜日のインタビューで語った。「事態は本当に、本当に急速に悪化していきました」

メアリーは、マッチ・グループ(Match Group)が所有するデーティング・プラットフォーム上でのロマンス詐欺に関する調査の一環として、米連邦議会合同経済委員会のスタッフが話を聞いた数人のうちの一人だった。この調査は、民主党のマギー・ハッサン上院議員(ニューハンプシャー州)と共和党のマーシャ・ブラックバーン上院議員(テネシー州)によって行われた。マッチ・グループは、Tinder、Hinge、Plenty of Fish、Match(旧Match.com)などのアプリを運営している。

「詐欺師が関係を築いて被害者から金銭や贈り物を誘い出すロマンス詐欺は、米国における主要な金融詐欺の形態となっており、アメリカ人に年間少なくとも13億ドルの損害を与えています」と、昨年9月の調査開始時に両上院議員は指摘していた。

火曜日、その調査結果を詳述した報告書が公開された。

報告書によると、マッチ・グループから提供された内部文書には、「2025年後半の時点で、Tinderは機械学習モデルの大部分を数年間更新していなかった」こと、および「その結果、Tinderは詐欺師やその他の悪意のあるユーザーを十分に検知できず、新たな脅威への対応に苦慮していた」ことが示されている。

マッチ・グループが提供したデータによると、2025年第3四半期までの米国において、TinderとHinge上の詐欺師またはその他の悪意のあるユーザーのうち、約150万人が「少なくとも1人の他のユーザーとマッチ」していた。また、報告書は、それらのアカウントのうち約50万件が「他のユーザーと連絡先を交換していた」ことも示している。

メアリーはGuardian紙に対し、やり取りしていた詐欺師が実在する人物かどうかを確認しようとしたと語った。彼から絶えず連絡があり、自分の住んでいる場所も知られていたという。彼は仕事関連の費用や医療上の緊急事態のために金が必要だと言ったと彼女は述べた。

「彼らは決して放っておいてくれません」と彼女は言う。「まるで渦の中にいるようなものです。何が起きているのかさえ気づかないうちに、お金を送り続け、その額は膨らんでいきます。しかし、送金するたびに、それらは以前の送金とは無関係なもののように感じられるのです。ようやく失った金額に気づいたとき、『うわあ』となりました」

メアリーによると、合計で約10万ドルを暗号資産で送金したという。相手が詐欺師だと気づいた後、彼女は彼の電話番号をブロックしたが、彼は電話番号を変えて再び連絡してきたという。

メアリーはその後、詐欺の背後にいる人物を特定しようと試み、やり取りした男性と同じ写真を使用している他のPlenty of Fishのプロフィールを発見した。彼女はそれらをプラットフォームに報告した。

「私のことを知っていれば、彼女がそんなことをするはずがないと言うでしょう」とメアリーは

原文(英語)を表示

Mary met a man on the dating app Plenty of Fish in 2024. She told the Guardian she had been looking for a connection, but instead became the victim of a romance scam that cost her almost $100,000.

“There was a lot of conversation, and then it started with the constant contact, pressure and repeated asks for money,” Mary, who asked that her last name be withheld, said in an interview on Tuesday. “It just escalated really, really quickly.”

Mary was one of several people who spoke to staffers from the US Congress’s joint economic committee as part of an investigation by Senators Maggie Hassan, Democrat of New Hampshire, and Marsha Blackburn, Republican of Tennessee, into romance scams on dating platforms owned by Match Group. Match Group operates apps such as Tinder, Hinge, Plenty of Fish, Match (formerly Match.com) and others.

“Romance scams, in which fraudsters form relationships to induce money or gifts from victims, have become a leading form of financial fraud in the United States and cost Americans at least $1.3bn annually,” the senators noted upon the investigation’s launch last September.

On Tuesday, a report detailing the results of that investigation was published.

Internal documents provided by Match Group showed that “as of the second half of 2025, Tinder had not updated most of its machine learning models in years” and “as a result, Tinder detected scammers and other bad actors less reliably and struggled to keep pace with emerging threats”, per the report.

Data provided by Match Group also showed that through the third quarter of 2025 in the US, nearly 1.5m scammers or other bad actors on Tinder and Hinge had “matched with at least one other user”. The report also showed that nearly 500,000 of those accounts “exchanged contact information with another user”.

Mary told the Guardian that she tried to establish whether the scammer she spoke with was real. He would contact her constantly, she said, and knew where she lived. She said that the man told her he needed money for work-related things and medical emergencies.

“They never leave you alone,” she said. “I call it like being in a vortex. You don’t even realise what’s happening. You’re sending money, and it’s adding up, but each one of those times that you send money, it’s, like, not connected to the other times. But finally when I realized how much money I lost, I was like: ‘Whoa.’”

In total, Mary said she sent the man about $100,000 in cryptocurrency payments. After realizing he was a scammer, she blocked his number. He would then switch phone numbers and contact her again.

Mary has since sought to identify the people behind the fraud and discovered other Plenty of Fish profiles using the same photos as the man she had talked to. She has reported them to the platform.

“If you knew me, you would say she would never do that,” Mary said, adding that she struggles to understand how it all happened, but believes it’s “really a lot about force of control”.

Tuesday’s report noted that since the launch of the investigation last September, Match Group had “introduced and expanded important measures designed to combat scams” including a facial verification feature on the Tinder app across the US, “requiring all new Tinder users to complete a video selfie verification process”.

In a news release on Tuesday, Hassan and committee Democrats added that Match Group also “instituted new efforts designed to remove harmful accounts more effectively” including in the first half of 2025, a “new AI model” that examines profiles and other information to detect scammers and other bad actors.

“It is encouraging that following committee outreach, Match Group introduced new AI models,” the report states. However, those “changes came after a prolonged period during which scams continued to proliferate on Tinder”.

In response to the report on Tuesday, Yoel Roth, Match Group’s senior vice-president of trust and safety said in a statement: “We’re grateful the committee recognized our significant advancements to protect our users against romance scams.”

He said: “That said, the report mischaracterizes both the historical scale of our investment and the work already complete. Alongside our engagement with the Committee over the past year, we’ve made the largest safety advancements in Match Group’s history. Trust and safety is a foundational priority, and we intend to continue leading the industry in building tools that promote authentic, safe connections.”

Much of the safety work, including face check, was already under way before the committee’s investigation, Match Group told NBC News.

In June, Hassan introduced legislation alongside with the Republican senator Rick Scott, that would establish a central portal for Americans to report scams “and get the help they need from law enforcement and agencies”.

Hassan, in a statement along with the release of the report on Tuesday, described romance scams as “devastating – both financially and emotionally – to people who are looking for connection and instead find themselves targeted and exploited by global criminal enterprises”.

“During the course of our investigation, Match Group made progress in combating scammers – but it shouldn’t have taken so long, and there’s still more that Match needs to do,” she said.

“As criminal networks use AI to supercharge their scams, dating apps and all companies must quickly and proactively keep their scam defenses up to date. Companies must stay vigilant and prioritize comprehensive scam prevention at every level to protect consumers and block fraudsters from infiltrating online platforms.”

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