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“I’ve got” vs. “I have”
On usage, the Cambridge Grammar of English (p883) states:
The present tense form of have with got used for possession is more than twice as frequent in spoken BrE as in AmE:
•I've got one sister and one brother. (BrE)
•I have a cousin who never married. (AmE)
On formality, Swan in Practical English Usage (p230) states:
Got forms are especially common in an informal style. ... In very informal American speech, people may drop 've before got. I('ve) got a problem.