utf-8' codec can't decode byte 0xdb in position 1: invalid continuation byte errro in python code example

Example 1: 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')

Example 2: UnicodeDecodeError: 'utf-8' codec can't decode byte 0xa5 in position 10: invalid start byte

#use rb over r
with open(path, 'rb') as f:
  text = f.read()