Of all of the years as a DJ using headphones in loud settings, all of the concerts, all of the events with loud amplified sound systems, etc, I was able to avoid tinnitus. It wasn't until I was driving and was t-boned in my side of the car with a side impact airbag going off. I walked away from the car with nothing more than a few scratches from flying glass, this lovely ringing in the ear, and this lousy t-shirt.
As a concert attender I probably recall the event that was the most likely cause which gave me tinnitus. It was an EDM concert where the front speakers sounded very 'rough' and also the stupid decision on my (& my friends) part to stay as close in the front as possible, for more than 1 hour. I think close impacts from airwaves (crashes, staying close to speakers, etc) are the most popular cause, as listening 'responsibly' on headphones did not gave me tinnitus before, nor did my usual edm concert attendance (excepting obviously the following couple of days). The eardrum can recover but once it's been 'cracked' remedies are very rare (if they exist at all, haven't researched).