BUG: Fix read_csv IndexError crash for c engine with header=None and 2 (or more) extra columns
- [x] closes #26218
- [x] tests added / passed
- [x] passes `black pandas`
- [x] passes `git diff upstream/master -u -- "*.py" | flake8 --diff`
- [x] whatsnew entry

thanks @roberthdevries 