function generateCsv($data, $delimiter = ',', $enclosure = '"') {
   $handle = fopen('php://temp', 'r+');
   foreach ($data as $line) {
           fputcsv($handle, $line, $delimiter, $enclosure);
   }
   rewind($handle);
   while (!feof($handle)) {
           $contents .= fread($handle, 8192);
   }
   fclose($handle);
   return $contents;
}

<?php
$data[0] = "apple";
$data[1] = "oranges";
generateCsv($data, $delimiter = ',', $enclosure = '"');
?>