The short answer

"CVV dumps" are stolen payment card records offered for sale as files. Selling them, buying them, or using them to move money is a federal crime in the United States under 18 U.S.C. § 1029. The card security code sits inside those records, and the code is also one of the few defenses that still holds against reused card data.

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What a dump contains

A dump is a text record. Fields include card number, expiration date, cardholder name, billing address, ZIP code, phone number and the 3 or 4 digit security code. Sellers label a record with the full identity fields a "fullz" and a record with the card number plus code a "CVV." Formats vary by source. No field in the file is verified at the point of sale.

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Legal exposure

18 U.S.C. § 1029(a)(3) covers the sale and transfer of unauthorized access devices. A first offense carries up to 15 years. § 1029(b)(2) covers conspiracy and sets the same ceiling. 18 U.S.C. § 1028A adds a mandatory 2 year term when the card data belongs to another person and is used to commit identity theft. Restitution and forfeiture follow a conviction.

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Prosecution does not require a completed sale. Offering the data meets the statute.

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Why the market burns both sides

A buyer cannot test a record before paying. A seller cannot test a buyer. Issuers block compromised numbers when fraud reports arrive, so a file that works on Monday fails on Tuesday. Forum research reports high dispute rates and shop closures with unfilled orders. A buyer who loses money in that market has no recourse, because a chargeback for an illegal purchase is not available.

The security code is the control point

CVV2, CVC2 and CID are values the issuer generates from the card number, the expiration date and a secret key. The code never appears on the magnetic stripe. A merchant that asks for the code proves the buyer holds the physical card.

PCI DSS Requirement 3.2 prohibits storage of the code after authorization, in encrypted form as well. That rule keeps the code out of most breach dumps. Data thieves collect card numbers from other places: skimmers, memory scrapers on point-of-sale terminals, and phishing pages that capture the full payment form.

Consumer steps

  • Read statements and set transaction alerts. Under Reg Z and Reg E, a disputed charge has a defined resolution path.
  • Use a card that issues single-use or merchant-locked numbers for small or unfamiliar sites.
  • Pay with a chip or a tokenized wallet. Both replace the static card number with a per-transaction value.
  • Freeze or replace the card when a charge is not recognized. A new number voids the record in any dump.

Merchant steps

  • Require the security code on card-not-present orders. Keep the field out of logs and databases.
  • Run address verification and 3-D Secure step-up on high-risk orders.
  • Rate-limit card testing patterns: many small orders, many card numbers, one device or IP block.
  • Report confirmed fraud to the card network and to the FBI Internet Crime Complaint Center.