Unfortunately, there is no real industry standard for CSV files. The closest thing we do currently have (since 2005) is RFC 4180. Working with non-standardized data often comes with surprises, but ...
CSV means comma separated values. It's like a normal "txt" file with commas at regular places to separate some values. Typically the first line of CSV file is a "header", containing names of columns ...
Don't settle for the Windows default file manager. Here are three options that improve on the default. Each of these can be installed and used for free. The file manager is one app that doesn't always ...