To_form not setting errors from the changeset errors

Forms render errors only if the action is set on a changeset. Otherwise it’s expected to be a fresh/untouched changeset, which you might have created by running it through SomeSchema.changeset, but the user didn’t yet have a chance to fill in.

https://github.com/phoenixframework/phoenix_ecto/blob/main/lib/phoenix_ecto/html.ex#L305-L307