Ghusl becomes obligatory by the emission of maniyy (semen/sexual fluid), not by the dream itself, since Allah says: "And if you are in a state of janabah, then purify yourselves" (Quran 5:6), and "nor [approach prayer] in a state of janabah — except those passing through — until you have washed [your whole body]" (Quran 4:43). Therefore if you wake and find maniyy on your body or clothing, ghusl is obligatory even if you remember no dream; and if you clearly remember a dream but find no trace of fluid, no ghusl is required. This applies to women exactly as it applies to men: Umm Salamah reported that Umm Sulaym came to the Prophet (ﷺ) and asked whether a woman must bathe if she has a wet dream, and he said, "Yes, if she sees the water" (Sahih al-Bukhari 130). If you find wetness and genuinely cannot tell whether it is maniyy, madhi, or sweat, the scholars allow you either to judge by its known signs (maniyy has a distinct odour and is emitted with pleasure, madhi is thin and sticky and follows arousal without pleasure) or, where doubt remains, to bathe as a precaution.
Q&A · Purification
Is ghusl obligatory after a wet dream, and what if I wake up wet but do not remember any dream?
Evidence — the daleel
On deen2u
Informational, not a personal fatwa. Consult a qualified scholar for rulings on your situation.