And this turns the situation positive. It wasn't up to you to do the work, remind her, cover for her, or even "learn a lesson" from the experience. But you did learn from it, so – no regrets! I doubt your colleague learned anything.

A similar thing happened to me years ago with a group project for a university assignment. No one else did their share of the work, and I ended up doing it all myself. However, I only put my name on the assignment. I wasn't giving them any credit! I ended up getting my highest grade ever on a project, but I do wonder if I got "sympathy points" for having done it all myself.