I listened to a narration of it on YouTube in around 2020 maybe? It had a generic title like "I Wish I Never Clicked The Image" or "The Scariest Image I've Ever Seen" but the story just made no sense at all. It read like an AI generated story but this was all before that was a thing. It was about an hour long, if I had to guess it was probably either written by the YouTuber who narrated it or it was a fan submission.
The plot was as follows: a guy gets a mysterious email with an image link in it. He clicks it and it takes forever (like, days) to load. The image is of a figure with a deformed, angry face and wearing a cowboy hat. The narrator is horrified by this when the face part of the image finally loads and reaches out to his friend to talk about it. There was no actual image shown in the video, it was just described in the story.
Anyway, the "twist" was that the person in the picture is the narrator and his friend's other childhood friend, he always wore a cowboy hat and his face was disfigured due to injuries after they either bullied him physically or he got into an accident that was their fault, and now as an adult he sent them the image (which I guess was just a selfie?) as "revenge" or something. But they already knew he looked like that, so it made no sense why they did not recognize him in the image and the whole first act of the story was them being scared of a "horrifying" image. I believe it was also mentioned that he has a wife who hates them, or something. They are wracked with guilt and that's how the story ends. The whole plot was just so nonsensical.
The cowboy hat detail was the most important thing I remember and I've been searching for cowboy hat Creepypastas for hours lol. It is not The Hat Man which is the only thing that wants to come up when I search that.