Confusion between User accounts and Windows Explorer User folders

The Windows Explorer lists two user folders. However, User Accounts in control panels only shows one account-mine. Why not two? Also, the folder name in Explorer is different than the one in User Accounts. Why?

I'm throughly confused. What are the user folders in Window Explorer? Are they supposed to be accounts? Why don't they appear in User Accounts?

I can find lots of info about User Accounts on line, but nothing about the folders in Windows Explorer.

What is the name of the others folder that may tell us what it is?

Bree said:

Each user account has a folder under Users in their own name. If you create a new local account the user's folder is the same name as the account. If you create a new Microsoft Account user their folder is named from the first (five?) characters of their email address.

Correct, the first 5 letters. It did that on my 2nd PC. Cut the blasted 2nd s off Access lol.

The two folders are: John, JAG