(PhD was 'Residual stress in rails', for what that's worth. Judging from the profiles of the rails I saw, direct contact with the wheel flange plays a substantial role in keeping the train in place on curved track. But on roughly straight track, I'm satisfied that the argument about conicity applies).
The London Underground has some lines that are horrifically loud. The squealing must surely be at dangerous sound levels. I’d always assumed it was the flange against the rail, and you appear to be confirming that?
But it mostly (totally?) happens on very tight curves. It shouldn't happen much or at all on gentler curves.
(Of course, this is circular, because I'm kind of defining "gentler" and "tight" based on whether they cause flange squeal. Still, there's a point - there is something like a threshold of curve tightness where flange squeal becomes much more probable.)
I surmised this running 2 motors up a 3%(?) grade with 20k ton gross at 10mph. It's about the only explanation I could come up with is that the running gear was twisting under the gravity and the energy being put down to work against it. It might also just be a stringline sort of effect dragging the motors to one side of the track and pressing the flange. Maybe one of the rail engineers will come holler at me for my poor trainhandling skills.
Or, looked at the other way, when the track curves, then the axle becomes uncentered.