well - there are several different kinds!

some are actually ingrown hairs (folliculitis) where the hairs have been rubbed off at aor below the skin surface...


some are like blisters and scabs...

some are like blisters that never open, and just leave you sore...

occurence is usually wherever there is an "inside" corner (as opposed to an "outside" corner...)

if you'd like more information / detail, check out Chapter 21 in the book A Woman's Guide to Cycling by Susan Weaver ...

hope this helps --
beanie