medium urgencytypical response window: 30 days
IRS Notice CP54: Refund Held — Name/SSN Mismatch
What it means
Your refund is held because the name/SSN doesn't match SSA records.
What to do
Follow the letter's instructions to correct the record.
Verify it's real. The IRS contacts you by mail first — never by phone, email, or text demanding payment. The notice includes a number in the top-right corner and instructions on irs.gov. When in doubt, log into your IRS online account rather than calling a number on the letter.
FAQ
What is IRS notice CP54?
Your refund is held because the name/SSN doesn't match SSA records.
How long do I have to respond to CP54?
You typically have 30 days from the notice date. The deadline is printed on the notice itself — use that, not this estimate.
Should I get professional help for CP54?
Usually not required — but if the amounts are wrong or you also owe other years, a professional review is cheap insurance.