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use Text::CSV;

...
data,data,"lname, fname mi","lname, fname mi",,data,data
data,data,"lname, fname mi",,,data,data
data,data,,,,data,data

s$ ./mytest.pl
7 columns: (column1) (column2) (column3) (column4) (column5) (column6)
+ (column7)
...
7 columns: (data) (data) (lname fname mi) (lname fname mi) () (data) (
+data)
7 columns: (data) (data) (lname fname mi) () () (data) (data)
7 columns: (data) (data) () () () (data) (data)

use Text::CSV;

...
data,data,"lname, fname mi","lname, fname mi",,data,data
data,data,"lname, fname mi",,,data,data
data,data,,,,data,data

$ ./mytest.pl
7 columns: (column1) (column2) (column3) (column4) (column5) (column6)
+ (column7)
...
7 columns: (data) (data) (fname mi lname) (fname mi lname) () (data) (
+data)
7 columns: (data) (data) (fname mi lname) () () (data) (data)
7 columns: (data) (data) () () () (data) (data)