The batter was mixed until smooth
CommonA muffin batter is mixed until only just combined because wheat flour in a wet mixture develops gluten as soon as it is worked. A developed network in a chemically leavened batter traps gas in channels rather than in cells, so the gas rises through the crumb instead of inflating it — producing the vertical tunnels that are the signature of the fault, along with a chewy, dense, peaked result. Lumps in a correctly mixed muffin batter are not a defect; they are the evidence that it was not overworked.
What to change
Stop mixing while the batter still looks wrong
Combine the wet and dry mixtures until no dry flour remains and stop there, even though the batter is lumpy and looks unfinished. A muffin batter mixed to smoothness has been overworked. Where an addition needs distributing, fold it through the dry ingredients first rather than beating it into the batter.
Muffins, quick breads, banana bread, pancakes — any chemically leavened batter mixed by the muffin method. NOT applicable to creamed cakes, where sustained beating is the aeration step.
Trade-off: The batter looks wrong to anyone expecting a smooth one, and the lumps do not disappear until it bakes.