That's right, it is confusing, and sometimes you have to ask your host which meal s/he is speaking of. There is no single intrinsic difference in the meanings of the two words when speaking of an evening meal.
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And that clears that one up for me - I've always been fuzzy on who says what, and why I, as a suburban child, scramble them mercilessly.
Urban Americans have breakfast, lunch, and dinner.
Rural Americans have breakfast, dinner, and supper.