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
