The phenomenon of tunnel erosion is quite common in the Loess Plateau. Tunnel erosion can cause disasters such as landslides, mudslides, and ground collapses, resulting in significant economic losses and posing a threat to people's safety. Therefore, understanding the evolution mechanism of tunnel erosion not only helps to analyze and predict the development law of erosion but also has a certain guiding role in engineering activities. Many scholars (including our team) have conducted field investigations and statistical analysis on the phenomenon of tunnel erosion in loess; however, these studies still have shortcomings in visual quantitative analysis. The combination of the Discrete Element Method (DEM) and Computational Fluid Dynamics (CFD) has significant advantages in studying soil seepage and erosion. Based on existing experimental research, this article combines the Discrete Element Method (DEM) with Computational Fluid Dynamics (CFD) to establish a CFD-DEM coupled model that can simulate tunnel erosion processes. In this model, by changing the working conditions (vertical cracks, horizontal cracks, and circular holes) and erosion water pressure conditions (200 Pa, 400 Pa, 600 Pa), the development process of tunnel erosion and changes in erosion rate are explored. The results indicate that during the process of fluid erosion, the original vertical crack, horizontal crack, and circular hole-shaped tunnels all become a circular cave. The increase in erosion water pressure accelerates the erosion rate of the model, and the attenuation rate of the particle contact force chain also increases, resulting in a decrease in the total erosion time. During the erosion process, the curve of the calculated erosion rate shows a pattern of slow growth at first, then rapid growth, before finally stabilizing. The variation law of the erosion rate curve combined with the process of tunnel erosion can roughly divide the process of tunnel erosion into three stages: the slow erosion stage, the rapid erosion stage, and the uniform erosion stage.