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Why are these rated F?
Energy efficiency labels for lighting were rescaled in 2021 to provide a meaningful scale for modern lamps.
https://ec.europa.eu/commission/presscorner/detail/en/ip_21_4484
Your lamp at 100lm/W would have been good in the olden days, but you need 210lm/W these days to score an A rating -
I thought led bulbs were meant to be efficient.
As above, 100lm/w would have been an A+ rating in old money and is still fine. If the lamp does the job it needs to i'd be paying more attention to the power consumption. High efficacy fittings (lm/w) quite often draw more power therefore to achieve a higher efficacy average for building regs like Part L people use higher power fittings which pushes up the w/m². I've done some low energy schemes successfully using fittings with low efficacy/efficiency's.
Why are these rated F?
HFCDL G9 LED Bulbs, Natural White 4000K, 3W Equivalent to 28W/30W/33W Halogen Light Bulbs, 300 Lumens Non-dimmable AC 220V-240V Energy Saving Bulbs for Chandelier Home Lighting Decor 12 Packs https://amzn.eu/d/0kj6oJD
I thought led bulbs were meant to be efficient.