This is the exact same thing that happened to me. I bought a surface at the beginning of January, returned it and bought another new one now.
I have the issue with both 2004 and 20h2.
I did a clean install using Windows 10 Media Creation Tool (20H2) last Friday and I haven't experienced any blue screens since. I can't guarantee that it has worked though, as I will have to wait a little longer to make sure.
If you want to do this, make sure you have the type cover or a USB keyboard because the touchscreen drivers aren't shipping with Windows 10 itself. You then have to install the drivers package from the Microsoft website. I also followed the advice of someone who replied to another post here to copy some device specific files to the clean install so that features like "Enhanced" color mode and the Surface app work properly (Though I don't know if it would've worked without it as well).