CSV format does not define encoding. Also customers usually think about CSV as export/import format from/to Microsoft Excel. Unfortunately each Office localization uses different output encoding and delimiters (and date format). And you cannot suppose that the encoding is UTF-8. The most complete importer of CSV file which I have seen is in Open Office. It is also worth mentioning that Excel can import CSV with other than system locale and different delimiters - but it just not work through open file command.