To add to this, (got called out earlier)
If you turn off the main to the premises and the stray voltage goes away, then it is a neutral voltage drop problem in the service drop or laterals, if the voltage remains then it is a MGN problem, of course this is if you confirm isolating the grounding from the service which confirms one or the other above.
One case we had about 3-5 volts that varied with current use in the house, turning off the main removed the voltage, running a wire from the pole ground to the house and testing the voltage gave us the same voltage drop, so POCO up sized the laterals 3 sizes and the problem was eliminated, in another case turning off the main didn't remove the voltage, running current test on the pole grounding toward the substation resulted in a loss MGN connection 4 poles down, new crimps fixed the problem, but there was one that will throw you, and it involves loosing the primary neutral to the serving transformer, this will cause a much higher voltage to appear on all the grounding of the building, we had 35-56 volts and it will also go away when the load is removed, so current test on the primary neutral is the only method I know to confirm this one, and can be very dangerous since the voltage can get as high as the primary voltage if you start un hooking grounds, so be careful with this one.
Hope this helps with stray current understanding