Re:-
.CSV dowsn't mean that the correct fields are included or in the correct order, or that the field headers are there, or that the fields are seperated by commas and not some other character.
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Er... CSV stands for "Comma Separated Variable". So, the data fields /will/be separated by a comma ','
However, the nature of the field contents, and the order they are in, are not part of the CSV format, that IS application specific.
Line ends can be whatever the native system expects/can handle, but again, that can cause things to fall over too.
CHIRP (and many other similar CSV aware data munchers) are a bit fragile in this respect, but to harden CHIRP against unexpected stuff, would be a major undertaking.
Some locale's too, use the comma as a decimal separator, so that can mess things up if you create such a file outside of CHIRP. 73 Dave G0WBX.