The fuller answer
A tender, rubbery disc of breast tissue beneath one or both nipples is common during male puberty. Hormone balance shifts during development, and breast tissue can temporarily respond even in an otherwise healthy boy.
One side may start first or remain more noticeable. Pubertal gynecomastia often becomes smaller over one to three years. Chest fat and glandular breast tissue are not the same, and neither says anything about gender identity or masculinity.
A clinician can distinguish common puberty tissue from another lump and review medicines, supplements, cannabis or other drug use, liver or endocrine symptoms, and the timing of puberty. Most evaluations do not lead to surgery.