back in the XP days, I used a software called “Unlocker” just for this problem. It probably still exists, I don’t know, because since Windows 7, the easiest way to find out what process locks a file is to open Resource Monitor (Start search: resmon) and on the CPU tab, using the “Associated handles” list, you can search for the file name and see the process in question (and kill it).
So yeah, Resource Monitor is a useful tool on Windows.
Some of them felt a bit buggy when I last time used Windows, maybe they aren’t fully ready to ship (like Samsung’s Good Lock apps?). And most features didn’t do quite what I imagined it to do, but that’s probably a “me problem”.