Hi Darcy,
Thank you for posting your question in this
community. From your description, you would like to create a user forum with Microsoft
365 services. Perhaps it sounds like a user Q&A platform in your organization
based on my understanding.
As far as I know with the built-in feature
of SharePoint Online, there is a Discussion board app may help you to achieve
it. You can go to a SharePoint site > Site Contents > New > App > Search
Discussion board app to find and create.
With a discussion board, the user can create
a discussion or question as individual topic, then all the SharePoint site members
can add their reply under it.


I am not quite familiar with Microsoft
Teams, but I did some research and finding. The built-in feature of Teams seems
not feasible to create a user forum as there are quite a few users raise the
similar ideas in Microsoft Teams UserVoice. But some members shared that there are
some third-party tools can achieve it.
Please see the discussion in this thread
about Forum
in Microsoft Teams
Disclaimer: Microsoft provides noassurances and/or warranties, implied or otherwise, and is not responsible forthe information you receive from the third-party tool or any support related totechnology.
Best regards,
Dihao