UnicodeDecodeError: 'utf-8' codec can't decode byte 0xf3 in position 55: invalid continuation byte code example

Example: 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')