Chrome and Gold are common to have tunnelling.
They are a polyester film, rather than vinyl. If they have been on the shelf for long periods, they tend to form the curvature of the roll they are wrapped around. so when you lay it out flat, or try cutting it, the tunnelling starts to happen as it lifts itself away from the lining paper.
I do not think it is just as common with vinyl, but I have seen it and I am of the opinion it is either wound too tight on its core, under tension when laminated or again, it has been on the supplier’s shelf for too long because there is a two-year shelf life on vinyl. but that’s once it comes off the manufacturing machines, then transport to countries around the world, then sitting in your supplier’s warehouse, then on your shelf, before use!