AIForge-Doc: A Benchmark for Detecting AI-Forged Tampering in Financial and Form Documents

We present DOCFORGE-BENCH, the first unified zero-shot benchmark for document forgery detection, evaluating 14 methods across eight datasets spanning text tampering, receipt forgery, and identity document manipulation. Unlike fine-tuning-oriented evaluations such as ForensicHub [Du et al., 2025], DOCFORGE-BENCH applies all methods with their published pretrained weights and no domain adaptation -- a deliberate design choice that reflects the realistic deployment scenario where practitioners lack labeled document training data. Our central finding is a pervasive calibration failure invisible under single-threshold protocols: methods achieve moderate Pixel-AUC (>=0.76) yet near-zero Pixel-F1. This AUC-F1 gap is not a discrimination failure but a score-distribution shift: tampered regions occupy only 0.27-4.17% of pixels in document images -- an order of magnitude less than in natural image benchmarks -- making the standard tau=0.5 threshold catastrophically miscalibrated. Oracle-F1 is 2-10x higher than fixed-threshold Pixel-F1, confirming that calibration, not representation, is the bottleneck. A controlled calibration experiment validates this: adapting a single threshold on N=10 domain images recovers 39-55% of the Oracle-F1 gap, demonstrating that threshold adaptation -- not retraining -- is the key missing step for practical deployment. Overall, no evaluated method works reliably out-of-the-box on diverse document types, underscoring that document forgery detection remains an unsolved problem. We further note that all eight datasets predate the era of generative AI editing; benchmarks covering diffusion- and LLM-based document forgeries represent a critical open gap on the modern attack surface.

OpenAI's GPT-Image-2 has effectively erased the visual boundary between authentic and AI-edited document images: a single number on a receipt can be replaced in under a second for a few cents. We release AIForge-Doc v2, a paired dataset of 3,066 GPT-Image-2 document forgeries with pixel-precise masks in DocTamper-compatible format, and benchmark four lines of defence: human inspectors (N=120, n=365 pair-votes via the public 2AFC site CanUSpotAI.com), TruFor (generic forensic), DocTamper (qcf-568, document-specific), and the same GPT-Image-2 model as a zero-shot self-judge -- asked, to avoid the trivial "image is mostly real" reading, whether any region was generated or edited by an AI image model. Human 2AFC accuracy is 0.501, indistinguishable from chance: even side-by-side, inspectors cannot tell GPT-Image-2 receipt forgeries from authentic counterparts. The three computational judges sit only modestly above (TruFor 0.599, DocTamper 0.585, self-judge 0.532). The self-judge fails consistently, not by chance: across five prompt strategies and four policies for handling ambiguous responses, AUC never rises above 0.59. To rule out the possibility that the two forensic detectors are broken on our source domain rather than blind to AI inpainting, we calibrate each on a same-domain traditional-tampering set built for its training distribution: TruFor reaches AUC 0.962 on cross-camera splicing of our dataset, DocTamper reaches 0.852 on cross-document OCR-token splicing with two-pass JPEG re-encoding. Both retain near-published performance on traditional tampering; switching to GPT-Image-2 inpainting drops AUC by 0.27-0.36 (0.962->0.599 TruFor; 0.852->0.585 DocTamper), isolating a detection gap specific to GPT-Image-2 inpainting. We release the dataset, pipeline, four-judge protocol, and calibration sets.

Can humans detect AI-generated financial documents better than machines? We present GPT4o-Receipt, a benchmark of 1,235 receipt images pairing GPT-4o-generated receipts with authentic ones from established datasets, evaluated by five state-of-the-art multimodal LLMs and a 30-annotator crowdsourced perceptual study. Our findings reveal a striking paradox: humans are better at seeing AI artifacts, yet worse at detecting AI documents. Human annotators exhibit the largest visual discrimination gap of any evaluator, yet their binary detection F1 falls well below Claude Sonnet 4 and below Gemini 2.5 Flash. This paradox resolves once the mechanism is understood: the dominant forensic signals in AI-generated receipts are arithmetic errors -- invisible to visual inspection but systematically verifiable by LLMs. Humans cannot perceive that a subtotal is incorrect; LLMs verify it in milliseconds. Beyond the human--LLM comparison, our five-model evaluation reveals dramatic performance disparities and calibration differences that render simple accuracy metrics insufficient for detector selection. GPT4o-Receipt, the evaluation framework, and all results are released publicly to support future research in AI document forensics.