The option to download a file produces a file designed for third party app developers and is not intended for any individual to migrate their data.
Unless something major has changed>>>you MUST log in to QBO ONLY with IE10 or above. You cannot use Chrome or Edge or any other browser. Go back, access IE from within Win10 (it is hidden but you always can start with any page in Edge and then upper right three dots for tools and more. Under "more" you should find "open in Internet Explorer". Do that and then log in to your QBO and follow the procedure to export.
