var csv = @"John,Doe,120 any st.,""\""Anytown\"", WW"",08123";

var readerConfiguration = new ExcelReaderConfiguration
{
    FallbackEncoding = Encoding.UTF8,
    AutodetectSeparators = new [] { ',' }
};

await using var stream = new MemoryStream(Encoding.UTF8.GetBytes(csv));
using var reader = ExcelReaderFactory.CreateCsvReader(stream, readerConfiguration);

reader.Read();

var values = Enumerable.Range(0, reader.FieldCount).Select(it => reader[it]);

Console.WriteLine(string.Join("\n", values));

John
Doe
120 any st.
\Anytown\"
WW"
08123

John
Doe
120 any st.
"Anytown", WW
08123