Take, for instance, this photo. This was used for the ad 'Dump your pen friend', which can be seen here (though mirrored). They satisfy all the requirements of the license by attributing the photo to the photographer.
The girl in question isn't too thrilled her photo is being used. She thinks she is being insulted. (As an aside, if you're not sure you're being insulted, just ignore it. You're not helping your case by piping up about it.) Her parents are now suing -- but it is uncertain if they have any chance of success, since Virgin Mobile satisfied all the requirements for the license.
Please everyone, check the license you put on stuff you upload to Flickr and other User Generated Content sites, if you do not want this to happen with your photos.