UnicodeDecodeError: 'utf-8' codec can't decode byte 0x89 in position 216 code example

Example 1: 'charmap' codec can't decode byte 0x98 in position

file = open(filename, encoding="utf8")

Example 2: UnicodeDecodeError: 'utf-8' codec can't decode byte 0xe7 in position 5: invalid continuation byte

pd.read_csv('ml-100k/u.item', sep='|', names=m_cols , encoding='latin-1')