You have read it correctly — the tool genuinely does not know. The kernel refused the mount and returned a generic failure, and the message lists the common causes because it cannot distinguish them.
Narrow it down before touching anything, in this order.
1. Ask what the filesystem is.
sudo blkid /dev/sdX1
sudo file -s /dev/sdX1
If these identify a filesystem, the drive is readable and the problem is elsewhere. If they report nothing, you are looking at the wrong device or genuine damage.
2. Check you are mounting the partition, not the disk. /dev/sdb is the whole disk and /dev/sdb1 is the partition. Mounting the disk produces exactly this error and is the single most common cause.
3. Check the driver is present. Some filesystems need a package installed — the message's "helper program" clause. lsmod and trying an explicit -t will tell you.
4. Read the kernel log. dmesg | tail -30 immediately after the failed attempt usually contains the real reason in plain words, which the mount command did not pass on.