I feel like I'm pretty darn careful - but someone apparently got my info somehow

I have a credit freeze with everyone.

A credit freeze so far wouldn't have helped with any of the things this person has done

What is it they have done? You cant open an account anywhere with my freeze. Even inquiries die

opened a bank account - no credit was run during that process. Filed for unemployment - no credit run at that point. Next up I'm sure is trying to claim my stimulus money/tax refund

Opened a bank? With who?

Citibank.