A description of a cluster: http://en.wikipedia.org/wiki/Cluster_(file_system)
Since it stores information about a file, it's corruption can cause a program (that uses that file) to malfunction.
Causes are numerous. It can be caused by a hardware problem (a bad hard drive, file system, memory, etc) or by drivers (that act improperly), or by software (that's not functioning properly). It can also be caused by other factors such as power surges and outages, lightning storms, etc.
As long as chkdsk can fix it - there shouldn't be any issues associated with it. If it can't fix it, or if it continually requires fixing - then you'd have to look into it further.
My browser caused a flood of traffic, sio my IP address was banned. Hope to fix it soon. Will get back to posting as soon as Im able. - John
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