Kapil give good instructions how to use ISO in in-place upgrade, try it first.
If that doesn't work then there is another things to try, but now you have ISO downloaded and you don't need to load again on each attempt.
Some things you can try:
On File Explorer
Delete content of folder C:\Windows\SoftwareDistribution\Download
Open Command Prompt (CMD) As Admin and run commands to check system files:
sfc /scannow
DISM /Online /Cleanup-Image /RestoreHealth
Check known issues list. Conexant audio drivers has known to cause update issues.
https://docs.microsoft.com/en-us/windows/release-information/status-windows-10-2004
Uninstall any 3rd part AV program (if installed) using manufacturer uninstall tool.