A rubbery crumb feels tight, elastic, and slightly tough. When you press it, it may compress and spring back like a sponge. The slice can be difficult to tear, and the bread may feel heavier in the mouth than it looks.
Before changing your recipe, it helps to decide what kind of crumb you actually have.
A gummy crumb feels moist, sticky, or doughy. It may leave residue on the knife and look shiny around the holes.
A dense crumb contains very few air pockets and usually indicates weak fermentation, poor dough strength, or both.
A chewy crumb is not necessarily a defect. Sourdough bread made with strong flour often has a pleasantly resilient texture.
A rubbery crumb, however, feels excessively elastic and tough. It may not be visibly wet, but it still seems as though the crumb never became light and tender.
These descriptions can overlap. A loaf may be both dense and rubbery, or gummy in the center and rubbery near the crust. This is why it is important to look at the entire process rather than blame one ingredient.