I had exactly the same problem and forced to use 1909 until 3 month ago, Then i Upgraded to the 20H2 NO PROBLEM and when 21H1 released installed because i read there is a lots of bug fixed in 21H1. If you already not installed 21H1 try it! (Use Windows 10 Update Assistant tools). I also after every update from MS , using sfc/scannow to fix the system error! it's something that don't understand what happened to windows stability!!!! right now after almost 1 month upgraded to the 21H1 i never have had any freeze!
I would help you find the solution but i need little more detail about your devices and drivers and also what apps installed in your system?
did you install all updates from windows 10 update manager?
did you have optional update?
First i would ask you if you have any antivirus or firewall just remove them and install trial Kaspersky Internet Security and update it then let it Full scan your system.
After that i need to know exactly what apps installed or if you use any windows tools or maybe customize anything in your windows?!!