Yes, this is a permissions problem. The thing is, though, that I've corrected the permissions myself and the problem doesn't go away sometimes, so it seems like Mac OS X likes to revert to the problematic permissions. The file that's causing the problem is, I believe, .DS_Store . It's an invisible file, so the best way to change permissions/owner is through the command line.
Just so you know, YOU should be the owner, and you should at least have full access to the file. The way to change this is to issue the command sudo chown yourusername pathtofile in the Terminal. Then issue the command sudo chmod 666 pathtofile. This is how most of my .DS_Store files are setup.
I believe if you do a search in these forums, someone showed a way on how to do this recursively so it fixes the problem for all of your .DS_Store files. But usually not all of them are a problem, so you can just use this to fix the ones that are.