Data organisation in computing follows a hierarchy, moving from the smallest unit to the largest: a character is combined with other characters to form a field (for example, a student's name), related fields are combined to form a record (for example, one student's full set of details), and related records are combined to form a file.
A file, therefore, is best described as a collection of related records, since each record within the file represents one complete set of data about a single entity, and the file groups many such entities together under one name.
Fields alone are too small a unit to describe a whole file, since a file is made of many records, each containing several fields. "Rows & columns" is spreadsheet terminology rather than the general definition used for files, and a database is a larger structure that can contain many files or tables, not the other way around.
Examination reminder: memorise the data hierarchy in order: character, field, record, file, database, so you can place each term correctly relative to the others.