#!perl
use strict;
use warnings;

my @columns = qw(col1 col2 col3);
my @data = ();
while (<DATA>) {
  chomp;
  my %tmp;
  @tmp{@columns} = split ',';
  push @data, \%tmp;
}

use Data::Dumper;
print Dumper \@data;

__DATA__
one,two,three
four,five,six