A consumer purchases a FLAT from a builder who repeatedly delays possession beyond the agreed period. The consumer files a complaint before the consumer forum. Which allegation best describes the cause of action?

Under the Consumer Protection Act, 2019, a complaint lies against a service provider for DEFICIENCY in service, which includes delay in rendering the service, and against an UNFAIR TRADE PRACTICE such as a false representation regarding the nature of a service. A builder providing housing is a 'service provider' and a home-buyer a 'consumer', so the delayed-possession grievance is actionable before the consumer fora (District/State/National Commission). The complaint is not barred merely by delay if within limitation and the facts establish deficiency. This is a classic, everyday consumer-protection scenario, especially relevant given the housing-construction disputes.