Iphone 5 with icloud account, but it IS NOT icloud locked

Hey everybody. I bought a used iphone 5 on craigslist. I have been using it for a couple months now without issue. I went to factory reset it and it asked for a password.  Turns out there is an icloud account created on the phone and I need a password for it in order to reset phone. Is there a way to delete the icloud account? Keeping in mind it is not locked and I can access everything on the phone. Would booting it up in recovery work through iTunes?  Thanks for the help.

Correct my if I am wrong, but I thought if an iPhone is icloud locked, that when you turn it on, you get a message asking for you to enter the icloud email address and password...I don't get that. The phone boots up just fine, I can use wifi/4g, make phone calls. Do whatever I want. The only thing is there is an icloud acct on the phone.
Hypothetically, say I met someone at a bar and I got up for a second to use the restroom and left my phone on the bar. Let's say the person thought it would be funny to put their icloud account onto my phone...they don't lock it or anything, just create an icloud account on my phone. They forget to tell me and we both just go our separate ways. The phone continues to work just fine, but that icloud acct is there forever unless I run into them again??

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