Raise exception in read_csv when prefix is set, but not used because a header exists
Raised an error if argument prefix is set when there are headers present during pandas read_csv.

- [x] closes #27394
- [ ] tests added / passed
- [ ] passes `black pandas`
- [ ] passes `git diff upstream/master -u -- "*.py" | flake8 --diff`
- [ ] whatsnew entry

@PraneethKhanna do you have time to add the requested test and the note in the release notes (aka whatsnew)? Looks like this is stale but @PraneethKhanna if you'd like to pick back up please ping!