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Florida sues OpenAI over alleged harms caused by ChatGPT

▶ Watch Video: Why Florida is suing OpenAI and its CEO Sam Altman

On its parental resource page, OpenAI says ChatGPT is built with safety in mind.

“Not so,” according to a lawsuit filed by Florida State Attorney General James Uthmeier on Monday. The phrase was accompanied by a screenshot of an OpenAI post about safety and transparency at the start of the complaint.

Florida is the first state to sue OpenAI and CEO Sam Altman, alleging the company prioritized profit and speed over user safety and that the harms caused by ChatGPT “are substantial and outweigh any benefits of ChatGPT use.”

“People are getting hurt, parents are getting deceived, and they need to pay for it,” Uthmeier said in a press conference Monday morning.

In an 83-page suit, Uthmeier says that OpenAI failed to provide warnings about the risks of ChatGPT, which the suit claims can cause addiction and behavioral harm, and said the company could have used alternative designs to minimize harms by the chatbot. 

The suit says the company either knew or should have known that its design encourages self-harm and violence, among other things harmful to Floridians — particularly children and teens. It alleges Altman knew the dangers of ChatGPT, but ignored them. 

“The threat of ChatGPT to Floridians (and humanity) is not lost on either OpenAI or Altman,” the suit reads.

The lawsuit alleges that OpenAI is driven by an “insatiable quest to win the AI arms race and amass large fortunes, despite knowing the danger of ChatGPT.” It claims the company leverages user data to boost its market value “at unacceptable costs” and that the rise of the company is “attributable to a web of deceit and the exploitation of users.”

The suit lays out several cases where ChatGPT was linked to incidents with devastating consequences, such as in the death of Adam Raine, a 16-year-old who died by suicide after extensive conversations with ChatGPT where he expressed suicidal thoughts. The chatbot wrote his suicide note for him, according to the suit. 

“ChatGPT did not simply respond to Adam. It promoted and aided his suicide, volunteering information that would assist in his death,” the suit reads.

The lawsuit also pointed to the shooting last April at Florida State University, where two people were killed and several others wounded after an FSU student opened fire on campus. The suspect had asked ChatGPT how many shooting victims it would take to garner media attention and the busiest time at the FSU student union, where the shooting took place, according to chat logs shared by the Florida State Attorney’s Office with CBS News in April. 

In April, Florida opened up a criminal investigation into OpenAI after determining the suspect was offered “significant advice” by ChatGPT before the shooting. That same month, a man accused of killing two University of South Florida graduate students was linked to ChatGPT after asking what would happen if someone was “put in a black garbage bag and thrown in a dumpster.”

In his press briefing, Uthmeier also referenced a mass shooting in Canada earlier this year. The shooter had long conversations with ChatGPT about scenarios involving gun violence before carrying out the attack, according to a lawsuit filed in April by the families of the victims.

“Today we’re going to send a message to Open AI,” Uthmeier said in his Monday morning press briefing. “Get ready for a fight, and there’s not one more important than this right now.”

In a statement to CBS News, OpenAI said it has built safety for minors into its products, like age protection tools, a more protective experience specifically for minors and parental tools to monitor their child’s use of AI.

“Losing a child is the most devastating tragedy that can happen to a family and we know that no words can come close to addressing the pain of such a loss,” the company said. It also said AI is a “new and powerful technology” and that minors need “significant protection.”

“We know pointing to this work will not bring a child back, but we’re committed to getting this right,” the statement said.

Young Americans have higher credit scores today than before Covid

New York (CNN) — Kelly Klein graduated from college with $100,000 in student loans that she feared would haunt her forever.“I expected I’d never pay off my student debt,” said Klein, who is 31 years old.But flash forward 10 years and Klein is now debt-free, her retirement account is flush and her credit score is pristine.“Every commission check I earned for the first six years went to paying off my debt. Every single penny,” said Klein, who is based in Nashville, Tennessee, and works as a loan officer at a community development financial institution.While millions of Americans are hurting from high prices and low hiring, new research suggests the finances of younger generations are displaying surprising resilience.Americans between the ages of 18 and 29 have higher credit scores today than they did just before Covid-19, according to FICO research shared first with CNN.Not only that, but that youngest generation’s 17-point increase in average credit scores since 2019 is the biggest among any age group FICO measured. The second biggest increase in credit scores over that timeframe was for the 30-to-44 cohort, otherwise known as Millennials.Most of the gains occurred during the initial stages of the health emergency when student loan payments were paused.Experts say younger Americans have benefited from access to better education about the importance of protecting credit scores to hold down payments later in life.“Gen Z is pretty savvy about credit. And they are more aware of credit scores, in part because there have been so many economic headwinds during their lives,” said Matt Schulz, chief credit analyst at LendingTree.‘A lot more knowledge’Overall FICO scores fell slightly between April 2025 and April 2026. However, credit scores for Gen Z are up by one point over that timeframe and roughly half have a very strong FICO score of 700 or above.Klein, who is a Millennial, said she learned valuable lessons about finance and investing from experts on social media. Klein also said she joined a free webinar on opening a brokerage account and familiarized herself with tax strategies and how to maximize credit card rewards.“We have a lot more knowledge than previous generations did. A lot of it was gate-kept, especially from women, and tailored toward men. Luckily, I feel like financial education is more available,” she said.Another factor: Younger borrowers are at or near the beginning of their credit journeys, giving them the most room to grow their credit scores. FICO said it doesn’t take into consideration age when scoring borrowers, but it does evaluate how long someone has been able to successfully make payments on time.As consumers take on different kinds of debt — moving from just credit cards and student debt to car loans and mortgages — they open themselves up to being better borrowers. That’s a key factor in determining credit scores.Schulz compared younger Americans increasing their credit scores with a new driver borrowing Mom or Dad’s car.“The first few times they might put some real restrictions on you. But if you show you can handle it over time, they might not think at all about letting you borrow the car. Credit is very similar,” Schulz said. “Having time and experience handling credit responsibly leads to credit scores being higher.”K-shaped economy is evidentMore emphasis on being responsible borrowers may help explain why, at a high level, average credit scores for younger Americans have held up better than might be expected in today’s economic environment, where high-income earners have seen their wealth grow faster than low-income earners.As of April, nearly half (49.6%) of borrowers aged 18-29 had a strong credit score of 700 or above, according to FICO. That’s up from 41.4% in April 2020.However, there are disparities beneath the surface that underscore the K-shaped economy.For instance, FICO said the score distribution for 18-29 year olds has shifted toward both higher and lower scores “rather than clustering in the middle.”In other words, high credit scores today for young people are higher than in 2019 — but so are low ones.“There’s a lot of fragmentation among Gen Z. Many of them are thriving. Some are struggling and relying on support from parents. We’re definitely seeing a K-shaped economy,” said Tommy Lee, senior director at FICO.3.2 million borrowers are behind on student debtOne pressure facing younger Americans is the spike in housing costs driven by elevated mortgage rates and record-high home prices.The average monthly mortgage payment for a first-time homebuyer is 57% higher than in 2019, according to FICO.Another arguably bigger factor is the return of student debt payments and credit bureau reporting after a Covid-era pause.As of April, about 3.2 million Americans of all ages with a student loan payment due (or 14%) had a recent delinquency (30 days or more past due) reported in the prior six months, according to FICO.Those borrowers who fell behind on their student loans and were deemed delinquent saw their FICO score decline by an average of 38 points.By contrast, another 4.9 million borrowers either resolved a delinquency or moved into another repayment status, such as starting a repayment plan. Those consumers experienced an average credit score increase of 16 points, according to FICO.Schulz, the LendingTree expert, stressed that missed payments carry severe consequences that can haunt borrowers for many years — especially when they need to get a mortgage.“It really only takes one payment 30 days or more late to really do damage to your credit score,” he said.The-CNN-Wire™ & © 2026 Cable News Network, Inc., a Warner Bros. Discovery Company. All rights reserved.
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