(I realize that online hearing tests aren't reliable, but they would have false positives, not false negatives)
Frustratingly, I've done those online hearing tests which test your ability to hear human voices amidst background noise and they tell me I have no hearing loss.
However, my hearing cuts out around 9khz, which is low. Definitely not my listening equipment because my wife can hear >9khz just fine on the same gear.
I have something similar - normal conversations are OK, but in loud environment it becomes very hard. Its not great to be the only one in group who doesn't understand what others are saying. I blew my hearing probably in front rows on metal concerts.