S J Zhu

h-index1
18papers
24citations

18 Papers

5.6QMJul 15Code
DyneTrion: A Spatio-temporally Coherent Generative Emulator for Protein Dynamics Across Timescales

Kaihui Cheng, Zhiqiang Cai, Peng Tu et al.

Proteins function through coordinated motion across multiple spatial and temporal scales, underpinning processes such as ligand binding, allostery, and catalysis. However, accessing long-timescale conformational change through molecular dynamics (MD) simulations remains prohibitively expensive for systematic exploration across diverse systems. Here, we present DyneTrion, a generative protein dynamics emulator that jointly enforces geometric symmetry, structural consistency and temporal coherence within a single framework. DyneTrion uses a tri-attention architecture that integrates invariant point attention (IPA) for SE(3)-robust geometric updates, spatial attention anchored to a reference conformation to preserve structural integrity, and temporal attention to model correlated evolution across time frames. Across 100-ns MD trajectory simulation benchmarks, DyneTrion reproduces MD-derived flexibility, ensemble distributions and interaction observables while maintaining stereochemical validity during extrapolation. To evaluate long time-scale generalization, we introduce dynamicPDB, a dataset of over 10,000 proteins with up to 1-$μ$s all-atom trajectories at 10-ps resolution and accompanying physical annotations. On microsecond trajectories, DyneTrion preserves free-energy landscapes and metastable-state populations, and it supports large conformational propagation in apo-to-holo transitions and fast folders. Together, DyneTrion provides a scalable path from static structure prediction toward time-resolved, ensemble-faithful protein modeling. The code is publicly available at https://github.com/fudan-generative-vision/DyneTrion

22.3AIJul 15Code
ReasFlow: Assisting Reasoning-Centric Scientific Discovery in Applied Mathematics via a Knowledge-Based Multi-Agent System

Yutong He, Daibo Li, Guohong Li et al.

Recent advances in Large Language Models have fueled autonomous AI agents capable of tackling complex scientific tasks, yet existing automated research systems remain predominantly focused on empirically driven domains with quantitative benchmarks, leaving theory-driven discovery, particularly in mathematically grounded disciplines requiring rigorous proofs and synthesis of domain knowledge, largely underexplored. Key challenges include the difficulty of verifying theoretical reasoning at scale, insufficient reasoning ability for autonomous frontier exploration, and a scarcity of procedural heuristics in the literature. We introduce ReasFlow, an end-to-end autonomous agent system for reasoning-centric scientific discovery that operationalizes a collaborative paradigm where the human expert acts as Principal Investigator while the agent executes rigorous derivations as a capable graduate student. ReasFlow incorporates (i) a robust internal verification loop that audits logical coherence and corrects fundamental errors prior to human inspection, and (ii) an automated knowledge retrieval and self-improvement mechanism that proactively surfaces both declarative facts and overlooked procedural heuristics, substantially reducing expert intervention. The system unifies literature synthesis, algorithm design, theorem proving, experimentation, and manuscript preparation in a single system. Deployed to autonomously generate five complete research papers with rigorous theoretical and empirical content from minimal prompts, ReasFlow consistently achieves the highest evaluation scores among state-of-the-art open-access baselines under a curated LLM-based review rubric. ReasFlow is publicly accessible via the ReasLab platform, providing a collaborative workspace for AI-assisted theoretical research. Github repo: https://github.com/ReasLab/ReasFlow.git.

14.0CVJul 10
Glob3R: Global Structure-from-Motion with 3D Foundation Models

Junyuan Deng, Heng Li, Kejie Qiu et al.

Recent 3D geometric foundation models, such as VGGT, provide robust feed-forward 3D reconstruction by directly predicting camera poses and 3D scene points from input images. However, their results remain inaccurate, and scaling them to long sequences or large unordered image sets typically requires chunk-wise processing, which can introduce drift and inconsistency. We present Glob3R, a global SfM-style reconstruction built on 3D foundation models. Our key idea is to explicitly optimize feed-forward geometric predictions. To this end, we augment a frozen Pi3X backbone with a lightweight dense matching head that predicts image warps between selected reference frames and neighboring views. These dense warps are converted into sparse but reliable multi-view feature tracks, which provide correspondence constraints for global optimization. We further introduce a keyframe-based sliding-window association strategy that propagates tracks and relative poses across overlapping windows, enabling scalable reconstruction. Finally, we perform global motion averaging and bundle adjustment to refine camera poses, reduce scale inconsistencies, and recover dense scene geometry. Extensive experiments on indoor, outdoor, large-scale driving, and unordered SfM benchmarks demonstrate that Glob3R achieves robust and accurate reconstruction. It consistently improves over feed-forward foundation-model baselines and recent scalable reconstruction methods, while being more robust than classical SfM pipelines. The refined poses also lead to higher-quality neural rendering, validating the benefit of combining foundation-model priors with global geometric optimization. Project page: https://junyuandeng.github.io/Glob3r

8.9CVJul 16
RoGS: Adaptive Meshgrid Gaussian for Large-Scale Road Surface Mapping

Tianchen Deng, Zhiheng Feng, Wenhua Wu et al.

Road surface mapping plays a crucial role in autonomous driving, supporting high-definition map generation, lane-level perception, and automatic road annotation. Recent mesh-based road surface reconstruction methods have shown promising results, but they still suffer from limited reconstruction quality and high optimization cost, especially in large-scale driving scenarios. To address these limitations, we propose ROADGS-T, a robust and efficient large-scale road surface mapping framework based on adaptive meshgrid Gaussian representation. Specifically, we model the road surface by placing 2D Gaussian surfels on a meshgrid, where each surfel explicitly stores color, semantic, and geometric information. Compared with conventional mesh-based representations and 3D Gaussian primitives, the proposed meshgrid Gaussian representation better matches the thin-surface property of roads while significantly reducing redundant primitives and overlap during optimization. To further improve representation efficiency and structural fidelity, we introduce a road-structure-aware adaptive meshgrid strategy, which allocates denser Gaussian surfels to geometrically or semantically complex regions, such as lane markings, road boundaries, and height discontinuities, while maintaining a compact representation in flat road areas. Moreover, instead of relying on a single nearest vehicle pose, we design a trajectory-consistency-guided pose-robust refinement strategy, which estimates local surface priors from multiple neighboring poses and adaptively weights pose-guided height regularization according to their geometric consistency.

10.2CVJul 15
Music-to-Dance Generation via Atomic Movements

Xinhao Cai, Yixuan Sun, Minghang Zheng et al.

Music-driven dance generation aims to produce human motion that is both rhythmically synchronized and semantically consistent with music. While recent neural approaches have achieved impressive visual realism, they typically model motion as a continuous signal and neglect its compositional nature, making generated dances structurally incoherent and difficult to control. In this work, we introduce a structure-aware framework that models choreography as a sequence of atomic movements-semantically interpretable motion events that serve as the building blocks of dance. To construct this atomic movement vocabulary, we first segment large-scale dance data and cluster them into atomic movement groups. We then employ a large language model to semantically relabel and refine the clusters, yielding a set of interpretable and reusable atomic movements. Based on these atomic movement annotations, we design a two-stage generation framework that mirrors the human choreography process. In the atomic movement planning stage, the model predicts the type, duration, and timing of atomic movements conditioned on the input music, forming a symbolic dance allocation. In the completion stage, a transition-aware generator synthesizes smooth and stylistically coherent motion conditioned on the planned structure. Extensive experiments demonstrate that our method produces dances with significantly improved structural coherence, rhythmic alignment, and perceptual naturalness compared to existing baselines, while providing enhanced interpretability and controllable editing through explicit structural representation.

23.5CLJun 23Code
Escaping the Self-Confirmation Trap: An Execute-Distill-Verify Paradigm for Agentic Experience Learning

Shiding Zhu, Yudi Qi, Yajie Wang et al.

Experience-driven self-evolution is critical for large language model (LLM) agents to improve through open-world interaction. However, existing experience learning methods mostly rely on single-agent loops, where the same agent executes tasks, summarizes outcomes, and determines memory content. This setup makes agents vulnerable to the Self-Confirmation Trap: wrong-but-self-consistent trajectories are misidentified as successful experience, leading to cumulative errors during retrieval and reuse. To address this issue, we propose EDV, an Execute-Distill-Verify framework for reliable experience learning. In the Execute stage, multiple heterogeneous agents explore the same task space in parallel to generate diverse candidate trajectories. In the Distill stage, a dedicated third-party agent comparatively analyzes these trajectories to produce candidate experiences, reducing executor-centric summarization bias. In the Verify stage, the execution group validates candidates via a consensus mechanism, and only approved experiences are written into shared or private memory. By decoupling the three stages, EDV transforms experience learning from isolated self-reflection into collaborative construction, filtering erroneous and noisy content before memory insertion. We evaluate EDV on three challenging long-horizon benchmarks: tau2-bench, Mind2Web and MMTB. Results show EDV consistently outperforms strong baselines, validating that reliable experience construction is essential for robust agent self-evolution. Our code is available at https://github.com/shidingz/EDV.

12.2SDJun 24Code
Sarashina2.2-TTS: Tackling Kanji Polyphony in Japanese Speech Generation via Data Scaling and Targeted Data Synthesis

Lianbo Liu, Shiao Zhu, Kai Washizaki et al.

While large language model (LLM)-based text-to-speech (TTS) systems have achieved high-quality speech synthesis, most existing systems focus on English and Chinese. Japanese, however, remains under-explored, and its unique linguistic challenges, such as widespread context-dependent kanji polyphony, have yet to be adequately tackled. Here we introduce Sarashina2.2-TTS (https://github.com/sbintuitions/sarashina2.2-tts), a Japanese-centric LLM-TTS system that tackles these challenges through a dual approach: data strategy and evaluation methodology. First, we scale training to approximately 361k hours of speech, incorporating a balanced mix of Japanese and English data. Furthermore, we design a targeted data augmentation pipeline covering all 2,136 Joyo (regular-use) kanji designated by Japan's Agency for Cultural Affairs to efficiently address kanji polyphony disambiguation. Second, we introduce the Joyo Kanji Yomi Benchmark (https://github.com/sbintuitions/JoyoKanji-Yomi-Benchmark), covering all 2,136 Joyo kanji and their 4,378 readings. Alongside this benchmark, we propose Kana-CER, a metric that compares synthesized speech against reference readings in the kana space, eliminating orthographic variations to directly measure pronunciation correctness. Experiments demonstrate that our targeted data augmentation significantly improves reading accuracy. Overall, Sarashina2.2-TTS achieves state-of-the-art kanji-level reading accuracy and matches top baselines on general sentence-level pronunciation, while delivering the highest speaker similarity in zero-shot Japanese speech synthesis. Furthermore, cross-lingual evaluation reveals that Sarashina2.2-TTS is the only system that maintains stable Japanese pronunciation regardless of the prompt language, confirming that our balanced training approach improves cross-lingual robustness.

CVJun 23Code
RADIANT-PET: Reasoning-Augmented PET/CT Lesion Segmentation with Large Language Models and Reinforcement Learning

Jiasheng Wang, Tanun Jitwatcharakomol, Piyawadee Jongpradubgiat et al.

Accurate lesion segmentation in PET/CT is critical for oncology, yet remains challenging because physiologic tracer uptake and artifacts can mimic malignant signal. We present RADIANT-PET, a reasoning-augmented framework that couples a high-sensitivity voxel-level segmentation model with lesion-level large language model (LLM) adjudication. Candidate uptake regions are generated with a deliberately permissive segmentation stage, then converted into structured textual descriptions that summarize uptake intensity, morphology, and regional and global anatomical context. An LLM classifies each candidate as true lesion vs. false positive, optionally leveraging the radiology report as additional clinical context. To strengthen lesion-level reasoning, we further optimize a local LLM via reinforcement learning using Group Relative Policy Optimization, rewarding correct lesion classification and anatomically concordant site assignment. Across AutoPET and an OSU test cohort, RADIANT-PET consistently outperforms strong image-only baselines, with the largest improvements observed when radiology reports are provided. Overall, these results demonstrate that LLM-based lesion-level reasoning adds a novel reasoning layer beyond conventional segmentation, suppressing physiologic false positives and aligning voxel-level predictions with clinical interpretation. The project repository is available at: https://github.com/jwang-580/RADIANT-PET.

16.2ROJul 7
UniLM-Nav: A Unified Framework for Zero-Shot Last-Mile Navigation

Zhuofan Zhang, Tianxu Wang, Guoxi Zhang et al.

Mobile manipulation requires a robot to navigate to a target object or receptacle and then perform intended manipulation. However, reaching the vicinity of the target does not guarantee a manipulation-ready base pose, a problem known as last-mile navigation. Prior methods for last-mile navigation either rely on manual pose annotation or task-specific training, limiting their scalability to open-vocabulary settings with fine-grained spatial constraints. We propose UniLM-Nav, a unified framework for zero-shot open-vocabulary last-mile navigation. UniLM-Nav decomposes last-mile navigation into view selection, task-conditioned affordance grounding, and geometry-aware base-pose reasoning, all resolved with a shared multimodal large language model (MLLM) backend. Specifically, UniLM-Nav first selects a reference view that best captures the target object or receptacle from recently collected observations. It then grounds task-relevant affordance point in the selected view and lifts the result into the robot-centric coordinate frame. Finally, conditioned on the grounded affordance, task context, and robot geometry, it infers a manipulation-ready base pose for the robot. We evaluate UniLM-Nav on the OVMM benchmark, where it outperforms the previous state-of-the-art method, MoTo, by 3.13 percentage points. Analyses show that the components of our method are crucial to final performance, and that the choice of MLLM also has a substantial effect. We further deploy UniLM-Nav on a Unitree B2 quadruped robot with a 6-DoF Unitree Z1 manipulator, validating its applicability to real-world mobile manipulation tasks.

10.9CVJul 6
Deep Learning for Semen Analysis in Male Infertility: Computer Vision, Multimodal Fusion, and Clinical Translation

Runwei Guan, Shaofeng Liang, Jiacheng Weng et al.

Male infertility contributes substantially to the global infertility burden, and sperm analysis remains central to diagnosis, treatment planning, and assisted reproductive technology. Conventional semen evaluation, however, is labor-intensive, operator-dependent, and limited by inter- and intra-observer variability, motivating the development of objective and reproducible computational approaches. This review provides a comprehensive and perspective-oriented synthesis of artificial intelligence-driven sperm analysis, with a focus on computer vision, deep learning, multimodal fusion, robustness, and clinical translation. We first review task-specific methods for sperm detection and counting, tracking-based motility assessment, semantic and instance segmentation, morphology and defect classification, functional assessment, and genetic integrity evaluation. We then summarize public datasets, benchmarks, evaluation metrics, and emerging multimodal strategies that integrate microscopic images, time-lapse videos, CASA-derived parameters, DNA integrity assays, and clinical metadata. Beyond algorithmic performance, we discuss key barriers to real-world deployment, including data scarcity, cross-center domain shift, annotation inconsistency, interpretability, uncertainty calibration, privacy-preserving learning, and workflow integration. Finally, we outline a staged clinical translation roadmap spanning technical standardization, multicenter retrospective validation, silent prospective evaluation, human-in-the-loop clinical testing, ART outcome validation, regulatory approval, and post-market monitoring. By organizing the field from task-specific visual recognition to trustworthy multimodal reproductive intelligence, this review highlights both the progress and the unresolved challenges required to translate AI-driven sperm analysis into clinically meaningful decision support.

18.3ROJun 30
UniTacVLA: Unified Tactile Understanding and Prediction in Vision Language Action Models

Xidong Zhang, Yichi Zhang, Jiaxin Shi et al.

Vision-language-action (VLA) models have achieved strong performance in many robotic manipulation tasks, yet remain limited in contact-rich dexterous manipulation. To overcome this limitation, recent vision-tactile-language-action (VTLA) methods incorporate tactile sensing into VLA models to provide direct contact information. However, they typically treat tactile signals as passive auxiliary inputs, making it difficult to model tactile semantics and future physical interactions. To this end, we propose a unified tactile learning framework for contact-rich manipulation that models tactile signals as dynamic interaction cues for both contact understanding and prediction. Specifically, we construct a unified tactile latent space and jointly model current tactile states and future contact changes through tactile chain-of-thought reasoning and coarse-to-fine future tactile prediction, thereby forming a state-aware and dynamics-aware tactile prior. Based on this prior, we introduce a tactile-action mixed controller that combines real-time and predicted tactile feedback to refine low-frequency action chunks with high-frequency corrections. Real-world experiments on four categories of contact-rich tasks, including adjustment, insertion, wiping, and assembly, under both clean and externally perturbed settings, show that our method improves success rate, manipulation accuracy, and contact robustness over existing methods, demonstrating its effectiveness in dexterous physical interaction.

6.4DCJun 29
Spandana: Reconciling Strict SLOs with Low Cost under Fine-Grained Load Fluctuations

Dilina Dehigama, Shyam Jesalpura, Zeyu Xu et al.

Cloud-based online services face significant sub-second load fluctuations while needing to meet strict Service Level Objectives (SLOs). Cluster operators often over-provision resources to protect SLOs, sacrificing utilization and cost efficiency. Existing reactive and proactive autoscalers, serverless (FaaS) deployments, and VM/FaaS hybrid systems fail to reconcile strict SLO compliance with low cost and high utilization under fine-grained load fluctuation. We introduce Spandana, an architecture that addresses this trade off by decoupling SLO enforcement from cost optimization. A lightweight controller colocated with each application VM enforces SLOs by steering each arriving request between the VM and FaaS. Requests that can meet the SLO stay on the VM; the remaining requests are forwarded to a stock FaaS layer such as AWS Lambda. For cost optimization, Spandana's resource allocator determines the most-efficient VM provisioning by accounting for VM cost, FaaS cost, and traffic volatility, allowing the VM pool to run at high utilization. Our evaluation shows that Spandana maintains strict SLO adherence, achieves 76-86% CPU utilization, and reduces cost by 5-44% over three SOTA baselines.

6.1CVJun 28
Again-Pose: Anchor-Guided Adaptive Inter-Frame Motion Cues Propagating for High-quality Human Pose Reconstruction

Shuaikang Zhu, Yiding Sun, Yang Yang

Reconstructing continuous 3D human poses from unconstrained videos is challenging, especially in extreme motion scenarios involving severe motion blur and occlusion. Current state-of-the-art methods typically rely on implicit temporal attention to aggregate features across frames. However, under severe visual degradation, input features often suffer from collapse, rendering them indistinguishable from noise. In such cases, implicit aggregation fails to distinguish valid signals, leading to catastrophic reconstruction errors. To address this robustness gap, we propose a simple yet effective framework called Anchor-guided adaptive inter-frame motion cues propagating (Again-Pose), reformulating pose estimation in degraded frames as a motion-guided recovery task. Instead of blindly smoothing features, we explicitly identify high-quality Anchor Frames based on feature saliency and propagate reliable kinematic cues to "inpaint" the poses of degraded intermediate frames. Specifically, a Dual-path Motion-aware Module captures fine-grained inter-frame dynamics, while a Difference-weighted Fusion Module adaptively propagates these cues to suppress drift. Extensive experiments on standard benchmarks (Human3.6M, 3DPW, PoseTrack) and the challenging FineDiving dataset demonstrate that Again-Pose significantly outperforms state-of-the-art methods in robustness and stability, effectively recovering plausible poses where other methods fail.

16.2LGJun 21
On the Position Bias of On-Policy Distillation

Yan Xie, Sijie Zhu, Tiansheng Wen et al.

On-Policy Distillation (OPD) improves the learning efficiency of standard reinforcement learning through dense, token-level supervision from teachers. In the standard KL objective of OPD, token-level losses are uniformly averaged, implying equal weights for all tokens. However, we discover that not all tokens are created equal: as student rollouts grow longer, they deviate further from the teacher's distribution, leading to degraded supervision quality at later positions. As a result, OPD using only the first 30% of tokens can perform comparably to using all tokens, whereas OPD using only the last 30% of tokens barely learns anything. In this work, we provide a principled understanding of this issue through the lens of constrained optimization. Based on these insights, we derive Importance-Weighted On-Policy Distillation (IW-OPD), in which the weight assigned to each token depends on the accumulated discrepancy between the student's and teacher's distributions, naturally upweighting earlier tokens and downweighting later ones with larger deviations. We show that IW-OPD converges significantly faster than OPD, with better learning efficiency, and achieves better final performance than standard OPD in both same-size and cross-scale settings, improving performance up to 6.9 points on AIME-2025.

6.9PLJun 24
Axon: A Synthesizing Superoptimizer for Tensor Programs

Akash Kothari, Shaowei Zhu, Daniel Kroening et al.

Writing high performance kernels for AI accelerators requires deep expertise in tiling, instruction selection, data layout, and operator fusion placing a significant burden on programmers. In this paper, we focus on tile based AI accelerator programs and present Axon, a synthesizing superoptimizer for tensor programs: it uses program synthesis to automatically generate target instructions from semantics specifications, and explores semantically equivalent program variants to select the best performing kernel empirically. Axon discovers algebraic transformations by propagating operators through computation graphs and uses SMT over unbounded tensors to guarantee that all transformations preserve semantics without requiring hand crafted rewrite rules. It then lowers tensor operations to target ISA instructions, explores tiling configurations constrained by hardware descriptions, and fuses operators and instructions to minimize memory traffic.

20.2CLJun 24
SARA: Unlocking Multilingual Knowledge in Mixture-of-Experts via Semantically Anchored Routing Alignment

Tianyu Dong, Yangyang Liu, Jiang Zhou et al.

Sparse Mixture-of-Experts (MoE) architectures have emerged as an increasingly influential paradigm as they offer a strategic balance between parameter scalability and computational efficiency. However, low-resource languages, which suffer from a scarcity of high-quality training data, often have their tokens routed to different experts than those predominantly activated by high-resource inputs, which limits cross-lingual expert sharing. This cross-lingual routing divergence consequently hinders their efficacy in multilingual contexts. To address this issue, we propose SARA (Semantically Anchored Routing Alignment), a framework designed to transfer specialized capabilities from high-resource languages as anchors to low-resource languages. SARA explicitly aligns the routing distribution of multilingual inputs with high-resource semantic anchors using a symmetric Jensen-Shannon (JS) divergence constraint. Unlike traditional distillation methods that operate on output logits, SARA directly aligns the internal routing distributions of MoE layers, encouraging mechanistic consistency in expert selection across languages. We conduct experiments on 2 LLMs across 5 low-resource languages and 3 benchmarks. Experiment results demonstrate that SARA outperforms standard instruction tuning, e.g., +0.8% on Qwen3-30B-A3B and +1.2% on Phi-3.5-MoE-instruct on Global-MMLU. Further analyses show that SARA effectively addresses performance bottlenecks in low-resource languages, providing a scalable pathway to enhance multilingual capabilities in sparse architectures.

23.3CVJun 18
GroundShot: Visually Consistent Multi-Shot Long Video Generation via Entity-Grounded Shot Scheduling

Yixuan Lai, Tianjia Shao, Kun Zhou et al.

Generating visually consistent multi-shot videos remains an open challenge. As videos span more shots, inconsistencies can accumulate across shots, causing entities that reappear across shots -- characters, objects, and locations -- to drift away from how they first appear. We observe that viewers judge consistency by comparing each later appearance of an entity with its first clear appearance; the visual quality of this initial appearance sets the consistency ceiling for all that follows. Motivated by this, we present \textbf{GroundShot}, a training-free, model-agnostic agentic framework for entity-grounded multi-shot generation. GroundShot builds an entity-level visual memory online from accepted generated shots: it schedules shots' generation order by their expected usefulness as entity references, grounds entities from generated videos, verifies their reliability before adding them to memory, and retrieves suitable entity references from memory before each shot is generated. To evaluate this entity-centered view of consistency, we further introduce \textbf{GroundBench}, a diagnostic benchmark that measures consistency at the entity level while isolating controlled challenge dimensions. Experiments show that GroundShot improves multi-shot consistency over existing methods while requiring no additional training or model modification.

4.6CEJun 21
From Complaint Narratives to Monetary Relief: A Hybrid Machine Learning Framework for CFPB Consumer Complaints

Zhuoer Wang, Sizhen Zhu, Xiongyu Chen

Consumer financial complaints provide a valuable source of information for identifying service failures, dispute frictions, and operational deficiencies in consumer-facing financial institutions. This paper proposes a hybrid machine learning framework for predicting monetary relief outcomes using Consumer Financial Protection Bureau complaint data. We formulate the task as an imbalanced binary classification problem, where complaints closed with monetary relief are treated as compensable outcomes. The proposed framework integrates multiple sources of predictive information, including complaint narrative text, LDA-based topic representations, interpretable text-engineered features, and structured categorical attributes such as company and state. An XGBoost classifier is trained using a temporal train-test split, with earlier complaints used for model development and more recent complaints reserved for out-of-sample evaluation. Compared with a TF-IDF baseline, the proposed framework substantially improves predictive performance, increasing AUC-ROC from 0.69 to 0.78 and improving PR-AUC under class imbalance. Feature importance analysis shows that textual signals, latent complaint topics, and company identity all contribute meaningful predictive information. In particular, company-level effects reveal systematic variation in complaint resolution patterns across financial institutions. These findings suggest that consumer complaint narratives can serve as alternative data for monitoring consumer harm, identifying firm-level operational weaknesses, and supporting early-stage risk surveillance in consumer finance.