Hi Fribbiss,
Regarding settings restrictions to not allow explicit content it sounds like you've checked the correct settings. The steps below found in the article here can confirm: Use parental controls on your child's iPhone, iPad, and iPod touch
"Prevent explicit content and content ratings
You can also prevent the playback of music with explicit content and movies or TV shows with specific ratings. Apps also have ratings that can be configured using content restrictions.
To restrict explicit content and content ratings:
- Go to Settings and tap Screen Time.
- Tap Content & Privacy Restrictions, then tap Content Restrictions.
- Choose the settings that you want for each feature or setting under Allowed Store Content.
Here are the types of content that you can restrict:
- Music, Podcasts, News, Fitness: Prevent the playback of music, music videos, podcasts, news, and workouts containing explicit content"
Make sure the iOS version on the iPhone they're using is fully updated: Update your iPhone or iPad - Apple Support
If the issue continues after closing the Music app and a normal restart of the device, reach out to Apple support directly to further assist.
Close an app on your iPhone or iPod touch - Apple Support
Restart your iPhone - Apple Support
Contact - Official Apple Support
Contact Apple for support and service - Apple Support
Best.