I noticed for the credit.csv file, the first row is ignored (probably because it is supposed to be used as the column header names). For example when printing out the first 3 rows, the first column values will be "a, a, b" instead of "b, a, a".

Should we opt out the first row then when running our code? If not, to read and input the first row into an array, I entered a proxy first row (attached file).