I just think it's distracting. I get caught up listening to the lyrics and kind of mentally singing along, stuff like that which disrupts my thought and distracts from what I actually want to be thinking about.

I think this is individual, I have the same problem in social settings - if I'm having a conversation and a song I like is playing in the background I some times stop listening to the conversation and focus on the music instead, unintentionally.

My solution is to listen to music without vocals when I need to focus. I've had phases where I listen to classical music, electronic stuff, and lately I've been using an app I found called brain.fm which I think just plays AI generated lo-fi or whatever and there's some binaural beats thing going on as well that's supposed to enhance focus, creativity etc. I like it but some times I go back to regular music just because I miss listening to something I actually like.