If you don’t have friends online, join a random public lobby and ask the host via text chat: “Hey, do I have a cheater tag? I’m trying to fix it.” Many hosts will give you an honest answer.
Overkill Software (now Starbreeze Studios) implemented an anti-cheat system not to ban players permanently, but to publicly humiliate them and allow hosts to quickly identify rule-breakers. If you’ve seen a red marker next to someone’s name that says “Cheater,” you know the tension. But what happens when you aren’t sure if you have that tag? Payday 2 How To Know If You Have A Cheater Tag