Logically I realize the "white" is bluish-gray, especially if I stretch it out to the edges of my phone so I'm not influenced by the backlighting in the photo. But I held it up next to my black cat and the "black" isn't even close. At most it's brown, which is what gold looks like in shadow. Compare it to your background if you're on night mode, or your text if not. No black there.
Black garments aren't ever perfectly black, vanta black is as close as it gets, but depending on the lighting "black" materials will absolutely reflect some light. The dress is actually blue and black and the reason people see it differently is to do with how our brains try to colour correct for lighting conditions.
It’s on a clothes rack, it’s more obscured from the light source than the dress which is being held up for the photo. See the top right of the picture? Real bright yellow.
Bottom right of the picture? White or off-white surface, I can’t quite tell if its carpet or not.
This picture was taken in the afternoon facing a window in the direction of the setting sun.
If you’re seeing white and gold your brain is assuming a cold blue light like morning or fluorescent lighting and skewing the colours.