Why splitting on commas does not work
The first row that contains an address defeats it. Quoted fields exist precisely so a value can contain the delimiter, and any parser that ignores quoting will split such a row into the wrong number of pieces — shifting every field after it.
The same applies to newlines. A quoted field may contain one, which means a CSV row is not the same thing as a line of the file. A parser that reads line by line will treat one record as two, and the second will be missing its leading columns.