Consider the following scenario:
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You have a Windows 10 version 1703 PC (or an earlier version of Windows 10), preinstalled by the Original Equipment Manufacturer (OEM).
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You then upgrade the system to Windows 10 version 1709.
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You then Reset the PC, selecting the option to Keep my files.
When the reset is completed, the Windows sign-in screen may display the Administrator account and prompt the user for the password. When you click within the password box for the Administrator account, the user accounts that were added to the PC prior to the reset then appear as options for signing into Windows.
If you then select one of your user accounts and sign into Windows 10, whenever you restart Windows, the sign-in screen again displays the Administrator account.