The top set into a crust before the inside had finished rising
Very commonHeat reaches the surface first, so the top of a cake dries and sets while the centre is still liquid and still expanding. Where that happens too early — a hot oven, a small deep tin, a shelf too high — the set surface becomes a rigid skin over a batter that has not finished growing. The interior then pushes up through the weakest part of it, which produces a dome that splits along the top. This is why the crack is almost always along the centre line, and why the same recipe in a wider, shallower tin comes out flat and uncracked. It is a heat-distribution fault rather than a formulation one, which is why adjusting the recipe rarely helps and adjusting the tin or the temperature usually does.
What to change
Drop the temperature and give it longer
Where the top sets and splits while the centre is still rising, reduce the oven by a modest amount and extend the bake, so that heat reaches the middle before the surface has become rigid. Moving the shelf down and away from the top element does the same thing. Loosely covering the top once it has coloured protects it while the centre catches up.
Deep cakes, loaf cakes and anything baked in a narrow tin. Shallow layer cakes rarely need it, because heat reaches their centres before the tops can set hard.
Trade-off: A longer bake at a lower temperature dries the crumb somewhat and browns less, so it trades one small fault for the absence of a larger one. It is the wrong answer for a cake that was fine except for being pale.