Took awhile for me to figure out. Hopefully this solves the problem for quite a few people that seem to have this problem.
Heres what I used(Im on home premium. The problem was with admin account):
You may loose emails on the account(if you had email setup)
The account should have a ntuser.dat file. Delete that.
Logon to the account that has the problem. You will be notified your using a temp profile.
Logoff the account and reboot into safe mode.
Logon as that user
Open control panel.
Click add or remove users.
Click goto the main user accounts page
Click configure advance user profile properties.
There should be one that says backup for that account. Delete that.
Reboot into normal and it should be fixed.
This is for the built in administrator account. It happens everyday now. deleting ntuser.dat was a temp solution that allowed login until you log off(I think).
