What usually holds it
A single open Explorer window is enough to hold a USB flash drive. Close the window that opened it, and close the programs (documents, photos, videos) with files on it open. Antivirus scanning also locks it.
How to eject it
- Close the Explorer window that opened the drive.
- Close the programs that have files on it open.
- Use LetGoFile to see whether anything is still holding it.
- Press Safely Remove again.
Get LetGoFile, look at the drive, and it tells you the name and PID of whatever is holding it.