At the very best, "freeloader" is a term used by someone internally, but I've never ever heard it used in over 10 years in the company.
Full disclosure: Red Hat employee, not writing in the name of the company, views my own and all that. I'm also pretty pissed about CentOS dying, and like many Red Hatters, have voiced my concerns internally. I also happen to think that a lot of the online criticism is unfair, incorrect, and sometimes done in bad faith. So I'm trying to be accurate. As far as I know, nobody in Red Hat calls or even thinks of CentOS/Rocky/Alma/Oracle/... clones as "freeloaders".
Example of "no more centos" evidence: https://www.redhat.com/en/topics/linux/centos-linux-eol
Centos was a de-branded redhat built by a community effort that behaved the same as RHEL, so you could use it to develop&test software for deployment on RHEL.
Centos stream is an unstable upstream that RHEL is partially derived from, run by IBM. It could have been "fedora", but that wouldn't have the same obfuscation properties. Presumably IBM don't really need two unstable upstream distributions and will drop one of them at some point.
There are a couple of new community redhat builds, none called centos.
The name "Community ENTerprise OS" is still perfectly accurate. The release model is a little different from CentOS and RHEL, but you still get LTS support comparable to every other LTS distro, you are still guaranteed no ABI changes, etc. RHEL is built from CentOS Stream, so nothing can go into CentOS Stream that wouldn't go into RHEL.
This isn't strictly true. The main problem with CentOS Stream is that embargoed security updates don't go into Stream until after they ship in RHEL. This means that if the developer responsible for the patch forgets to commit it to Stream, it can take weeks or even months until somebody at Red Hat notices and the patch goes out to Stream users. As one example, a couple months ago basic packages like httpd and php were 4 and 5 months behind RHEL, respectively.
In reality, though, I've been advising clients to treat Stream as nothing more than a stopgap solution until they can migrate to something Debian-based. We've been burned once by the untimely EOL of CentOS 8, and the continuing drama just doesn't instill confidence in the future of any free-as-in-beer distro related to Red Hat.