Why does my computer say a file is in use when nothing is open?
Because "in use" means a process holds a handle to the file, and plenty of processes do that without any visible window.
What is usually holding it:
A background indexing or search service reading the file to index its contents.
Antivirus scanning it, which is extremely common and produces exactly this symptom on files just downloaded or just written.
Cloud sync clients — OneDrive, Dropbox, Google Drive — uploading or reconciling the file.
Thumbnail generation. File Explorer or Finder generating a preview, which is why the problem frequently appears the instant you select a video or image.
The preview pane, which opens the file to display it.
A crashed application that exited without releasing its handles, leaving a zombie process.
A mapped network drive or another user on a shared folder, on a server or NAS.
The file being a target of an active operation you forgot — a running backup, a copy still finishing.
How to find the actual culprit:
On Windows, Resource Monitor has an Associated Handles search box under the CPU tab. Type part of the filename and it lists the processes holding it. This is built in, precise, and far better than guessing.
On macOS, lsof in Terminal with the file path lists the processes using it.
On Linux, lsof or fuser do the same.
Task Manager or Activity Monitor to end the process once identified — noting that ending a system process may require care.
Practical fixes, in escalating order: close the preview pane and deselect the file; close Explorer or Finder windows showing the folder; pause cloud sync; temporarily exclude the folder from antivirus; sign out and back in, which clears most stale handles; and restart, which clears all of them.
If a file remains locked after a restart and nothing obvious holds it, the problem is more likely a permissions issue or filesystem corruption than an open handle.