Repentance involves correcting both the inward intention and outward behavior. Someone who lied must return to truthfulness; someone withholding another’s property must restore it; someone who caused loss should make amends where possible.
كَمَنْ لَا ذَنْبَ لَهُ is a comparison expressing hope of forgiveness. It does not mean that another person’s debt or loss disappears automatically. The rights of people must also be addressed.
Example: a seller overcharged a customer deceptively. Regret alone does not complete the practical correction; the excess payment must also be returned.