Kendall Jenner -- Showdown with Waitress Over Dine and Dash

Kendall Jenner admits she “accidentally” walked out on a restaurant tab in NYC, but denies she threw cash at the waitress who confronted her about it.

Now that Kendall’s lawyered up and demanding the waitress apologize -- some people can't figure out who's telling the truth ... Jenner or the jilted server?? TMZ inspeculates!