Tax season is prime time for scammers—and in 2026, tax scams IRS-related fraud is more sophisticated than ever. From phishing emails to fake charities, here’s how to spot and avoid the most common IRS scams that could cost you money or your identity.
The IRS “Dirty Dozen” Tax Scams to Watch Out For in 2026
Each year, the IRS publishes its “Dirty Dozen” list of the most prevalent tax scams. These schemes target individuals and businesses alike, often using fear, urgency, or false promises to trick victims into handing over sensitive data or money.
1. Phishing and Smishing Attacks
Scammers send emails (phishing) or text messages (smishing) pretending to be from the IRS or other financial institutions. These messages often include links to fake websites designed to steal your Social Security number, bank details, or login credentials.
How to avoid it: The IRS never initiates contact via email, text, or social media. Don’t click on suspicious links—go directly to IRS.gov to verify any claims.
2. IRS Impersonation Calls
Fraudsters call pretending to be IRS agents, threatening arrest, license suspension, or deportation unless you pay immediately. They may demand payment via gift cards, wire transfers, or cryptocurrency.
How to avoid it: The IRS will never demand payment over the phone or threaten legal action without prior written communication. Hang up and report the call to the Treasury Inspector General for Tax Administration (TIGTA).
3. Fake Charities
Scammers exploit disasters or holidays to solicit donations for fake charities. These schemes not only steal your money but can also compromise your personal information.
How to avoid it: Verify the charity’s tax-exempt status using the IRS Tax Exempt Organization Search tool before donating.
4. Social Media Tax Advice
Platforms like TikTok and Instagram are rife with misleading tax tips, such as claiming ineligible credits or fabricating deductions. Following this advice can lead to audits, penalties, or even criminal charges.
How to avoid it: Only trust verified tax professionals and official IRS guidance. If it sounds too good to be true, it probably is.
5. Ghost Tax Preparers
These preparers refuse to sign the returns they prepare, leaving taxpayers liable for any errors or fraud. They may promise inflated refunds or charge fees based on refund size.
How to avoid it: Always use a preparer who signs your return and includes their Preparer Tax Identification Number (PTIN). Check credentials and reviews before hiring.
6. Tax Refund Fraud
Using stolen identities, scammers file fake tax returns to claim refunds before the real taxpayer files. Victims often discover the fraud when their legitimate return is rejected.
How to avoid it: File early, use strong passwords, and monitor your IRS account for suspicious activity. Consider an IRS Identity Protection PIN (IP PIN) for added security.
7. Online Account Creation Scams
Fraudulent websites offer to help you set up your IRS online account but instead harvest your personal data to file bogus returns or commit identity theft.
How to avoid it: Only create your IRS account through the official IRS.gov portal. Never share login credentials with third parties.
8. False Fuel Tax Credit Claims
Some preparers push fuel tax credits that most taxpayers don’t qualify for. These credits are typically reserved for off-highway business use, not personal vehicles.
How to avoid it: Review eligibility requirements on IRS.gov and consult a trusted tax advisor before claiming any unusual credits.
9. Business Email Compromise (BEC)
Scammers target businesses by impersonating executives or vendors to request W-2 forms or financial data. These attacks can lead to large-scale identity theft and fraudulent filings.
How to avoid it: Implement strict email verification protocols and train employees to recognize suspicious requests.
How to Protect Yourself From Tax Scams In 2026
Tax scams aren’t limited to filing season. Fraudsters operate year-round, adapting their tactics to current events, technology, and IRS updates. Here are proactive steps to stay safe:
- Monitor your IRS account: Regularly check your account for unauthorized activity.
- Use multi-factor authentication: Enable MFA on financial and tax-related accounts.
- Report scams: Forward phishing emails to phishing@irs.gov and report impersonation calls to TIGTA.
- Educate yourself: Stay updated on new scams by visiting the IRS Newsroom.
Final Thoughts On Tax Scams
In 2025, tax scams are more deceptive and tech-savvy than ever. By understanding the tactics scammers use—and following best practices—you can protect your finances, identity, and peace of mind. Whether you’re filing solo or working with a preparer, vigilance is your best defense.