Tunnel inspection requires outputs that can support defect localization, measurement, severity grading, and engineering documentation. Existing training-free foundation-model pipelines usually stop at coarse open-vocabulary proposals, which are difficult to use directly in interference-heavy tunnel scenes. We propose a training-free framework TunnelMIND. Specifically, language-guided defect proposals are not treated as final outputs; instead, their spatial support is recalibrated at inference time through dense visual consistency, so that coarse semantic anchors can be transformed into more reliable prompts under tunnel-specific hard negatives. The resulting masks are further reconstructed into structured defect entities with category, location, geometry, severity, and context attributes, which are then mapped to retrieval-grounded explanation and engineering-readable report generation under expert knowledge constraints. On visible, GPR, and road defect tasks, TunnelMIND achieves F1 scores of 0.68, 0.78, and 0.72, respectively. Overall, TunnelMIND shows that training-free tunnel inspection can move beyond coarse localization toward structured defect evidence for engineering assessment.