Dmitri Gurov
An aging, dissatisfied bureaucrat who is the story’s protagonist. Dmitri surprises himself by falling in love with Anna while on vacation in Yalta.
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Anna Sergeyevna
Gurov's lover and the “lady” referenced in the short story’s title. Like the protagonist, Anna has grown dissatisfied with her provincial lifestyle and feels trapped in her unhappy marriage.
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Mrs. Gurov
Dmitri’s wife, whom he greatly dislikes. She is described as being intelligent but shrewish.
Von Diderits
Anna’s obsequious and insincere-looking husband.
Dmitri’s Daughter
The unnamed daughter of Dmitri and his wife. Dmitri compares her innocence to Anna’s when the two lovers meet for the first time.