The equatorial cold tongue region has not warmed up in response to historical radiative forcing in the real world, contrary to the strong warming often simulated by climate models. Here we demonstrate that climate models fail to represent one or both of the key processes driving observed sea surface temperature (SST) pattern formation: a realistic surface wind stress pattern shaping subsurface cooling through wind-driven circulation changes, and effective connectivity between subsurface and surface temperatures via upwelling and mixing. Consequently, none of the models approximate the observed lack of cold tongue SST warming and strengthening of zonal SST gradient across the equatorial Pacific. Further, those that come closest achieve this due to interhemispheric warming differences rather than equatorial dynamics as observed. Addressing different origins of subsurface cooling in observations and simulations, and how they connect to SST, will lead to improved understanding of tropical Pacific SST changes to date and how they will evolve in the future.