“Whoever is given a gift and finds the means, let him repay it in kind. And whoever does not find the means, then let him offer praise — for indeed, whoever praises has expressed gratitude, and whoever conceals it has committed ingratitude. And whoever adorns himself with that which he was not given is like one who wears two garments of falsehood.”

Narrated by Abū Dāwūd (no. 4813), At-Tirmidhī (no. 2034) — this is his wording and Al-Bukhārī in al-Adab al-Mufrad (no. 215) — from the narration of Jābir ibn ʿAbdillāh (may Allah be pleased with them both).
Also narrated by Aḥmad in a similar wording (no. 24593) — from the narration of ʿĀʾishah (may Allah be pleased with her).
Authenticated in Ṣaḥīḥ al-Jāmiʿ (no. 6056), and in Silsilat al-‘Ahādīth as-Ṣaḥīḥah (no. 617).

Brief Explanation of the Hadith

Among the noble traits of character that the Prophet (may Allah’s peace and blessing be upon him) emphasized and instilled in his Companions is repaying kindness with kindness through gratitude and appreciation, avoiding ingratitude, acknowledging virtue where it is due, and offering praise to those deserving of it. The one who is given a gift — such as a present or the like— and has the means to return the favor, should reciprocate with something equal or better, as a proper reward for the good received.
If he does not find anything with which to repay—even in part—then let him praise him, speak well of what he has done, and supplicate good for him, in gratitude for his kindness and in recognition of his right and favor. For whoever offers praise has fulfilled the gratitude owed for the giver’s gift, while whoever conceals it—failing to repay with thanks, praise, or supplication—has shown ingratitude by neglecting his duty. The term kufr 'ingratitude' here refers to denying a favor, not disbelief in the sense that opposes faith.
As for the Prophet’s saying: “And whoever adorns himself with that which he has not been given...” — it refers to a person who falsely presents himself before others with traits or virtues he does not possess. For instance, he may pretend to be learned, wealthy, or influential solely to gain people’s admiration and praise. This is severely condemned. Hence, the Prophet (may Allah’s peace and blessings be upon him) likened such a person to someone who wears two garments of falsehood — Meaning: he adorned himself with two garments that were not his, pretending they belonged to him.
The Prophet’s mention of the two garments is significant because they cover the entire body—likewise, the one wearing them is fully enveloped in falsehood from head to toe.
The ḥadīth affirms the obligation upon one who is able to repay a favor to do so, and it condemns showing off and false self-adornment. It also calls to truthfulness and humility — that a servant should adorn himself with what Allah has truly granted him, not with what he falsely claim