BUG: read_csv not recognizing bad lines with names given
- [x] closes #22144
- [x] tests added / passed
- [x] Ensure all linting tests pass, see [here](https://pandas.pydata.org/pandas-docs/dev/development/contributing_codebase.html#pre-commit) for how to run them
- [x] whatsnew entry

wow killing the old issues, excellent! Thx. Want to clean that up before starting the refactoring