You cannot dynamically rename a cluster element at run-time. You need to define the cluster (Data types and names), and then populate it in a sub-vi. After this you can read in as you wish and access by name.
The bottom line is that you cannot perform your wish for an unknown cfg file. When you know your cfg file, you can hard-wire the appropriate cluster and then step by step call the cfg file vis to fill the appropriate cluster elements.
In the following example, a cluster is filled by name. Even though the cluster constant used as template does not show all names, they are there (right click the individual constant parts and shoose "show names"). These names must be defined before run-time to ensure the output cluster is defined.
Shane.
Using LV 6.1 and 8.2.1 on W2k (SP4) and WXP (SP2)