If you don't know what the header values are beforehand, there's no way to know if the first line is a header or not (it just looks like another data line).
If you do know what the header values should be, then you could simply make sure that all the expected columns are there (it doesn't matter what order, as long as they're there).
For example
List<String> expectedHeaders = Arrays.asList("ACCOUNT","NAME","PHONE");
String[] header = csvReader.getHeader(true);
if (!Arrays.asList(header).containsAll(expectedHeaders)){
// not all headers present - handle appropriately
// (e.g. throw exception)
}