Have a bone to pick means have a complaint to discuss. This answer is correct because the expression has a fixed figurative meaning in English. In an SSC idiom question, students should match the whole phrase with its accepted meaning rather than translate each word separately.

• Classroom example: Have a bone to pick can refer to a situation involving have a complaint to discuss.
• Story example: A writer may use Have a bone to pick when describing a situation involving have a complaint to discuss.
• Exam example: When a sentence contains Have a bone to pick, choose the meaning “have a complaint to discuss.”