GPT is pretty impressive; this image doesn't look like AI-generated at all. I just tried it myself after seeing it for the first time.

Prompt:
Inside a subway car, a young woman is sitting on a seat near the door, looking down at her phone with a natural expression, not looking at the camera. She is wearing a gray fitted top, a black short skirt, and white sneakers, with her long hair naturally hanging down. The person is positioned one-third from the right side of the frame, with a blurred foreground blocking the left side, creating a voyeuristic perspective. The door and handrails form clear vertical lines guiding the viewer's eye. The overall lighting is cool-toned subway lighting, with soft top lighting, no obvious harsh shadows, and a shallow depth of field keeping the subject sharp while the background is slightly blurred. The image has the graininess of a real camera and slight imperfections in composition, capturing a candid, authentic moment rather than a staged shot.