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Can I improve something I borrow?

If I borrow something may I do something which I believe improves that thing, without the owners consent? For example if I borrow a library book and find an error in one of the facts printed there can ...
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Someone damages tefillin that he borrowed from someone else. Is he liable?

From Kitzur Shulchan Aruch 10:22: מֻתָּר לִקַּח תְּפִלִּין שֶׁל חֲבֵרוֹ גַּם שֶׁלֹּא בִידִיעָתוֹ לְהָנִיחָן וּלְבָרֵךְ עֲלֵיהֶן, כְּמוֹ שֶׁכָּתַבְתִּי בְּסִימָן שֶׁלִּפְנֵי זֶה סָעִיף י"א לְעִנְיַן ...