diff --git a/CHANGELOG.md b/CHANGELOG.md
index 8df42ba20a0..3576749bba4 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -5,6 +5,7 @@
 ### Bug fixes
 
 * [#8252](https://github.com/rubocop-hq/rubocop/issues/8252): Fix a command line option name from `--safe-autocorrect` to `--safe-auto-correct`, which is compatible with RuboCop 0.86 and lower. ([@koic][])
+* [#8239](https://github.com/rubocop-hq/rubocop/pull/8239): Don't load `.rubocop.yml` from personal folders to check for exclusions if given a custom configuration file. ([@deivid-rodriguez][])
 
 ## 0.87.0 (2020-07-06)
 
diff --git a/docs/modules/ROOT/pages/configuration.adoc b/docs/modules/ROOT/pages/configuration.adoc
index 9fb44942b10..efa060ebff7 100644
--- a/docs/modules/ROOT/pages/configuration.adoc
+++ b/docs/modules/ROOT/pages/configuration.adoc
@@ -51,6 +51,10 @@ files:
 * `~/.config/rubocop/config.yml`
 * https://github.com/rubocop-hq/rubocop/blob/master/config/default.yml[RuboCop's default configuration]
 
+All the previous logic does not apply if a specific configuration file is passed
+on the command line through the `--config` flag. In that case, the resolved
+configuration file will be the one passed to the CLI.
+
 == Inheritance
 
 All configuration inherits from https://github.com/rubocop-hq/rubocop/blob/master/config/default.yml[RuboCop's default configuration] (See
diff --git a/lib/rubocop/config_loader.rb b/lib/rubocop/config_loader.rb
index 1188ec0c233..d8044bfe3f2 100644
--- a/lib/rubocop/config_loader.rb
+++ b/lib/rubocop/config_loader.rb
@@ -119,7 +119,6 @@ def possible_new_cops?(config)
 
       def add_excludes_from_files(config, config_file)
         found_files = find_files_upwards(DOTFILE, config_file)
-        found_files = [find_user_dotfile, find_user_xdg_config].compact if found_files.empty?
 
         return if found_files.empty?
         return if PathUtil.relative_path(found_files.last) ==
diff --git a/spec/rubocop/config_loader_spec.rb b/spec/rubocop/config_loader_spec.rb
index 020e452531a..e9cef8f3d97 100644
--- a/spec/rubocop/config_loader_spec.rb
+++ b/spec/rubocop/config_loader_spec.rb
@@ -170,6 +170,33 @@
       end
     end
 
+    context 'when configuration has a custom name' do
+      let(:file_path) { '.custom_rubocop.yml' }
+
+      before do
+        create_file(file_path, <<~YAML)
+          AllCops:
+            Exclude:
+              - vendor/**
+        YAML
+      end
+
+      context 'and there is a personal config file in the home folder' do
+        before do
+          create_file('~/.rubocop.yml', <<~YAML)
+            AllCops:
+              Exclude:
+                - tmp/**
+          YAML
+        end
+
+        it 'ignores personal AllCops/Exclude' do
+          excludes = configuration_from_file['AllCops']['Exclude']
+          expect(excludes).to eq([File.expand_path('vendor/**')])
+        end
+      end
+    end
+
     context 'when a parent file specifies DisabledByDefault: true' do
       let(:file_path) { '.rubocop.yml' }
 
@@ -965,7 +992,7 @@ class Loop < Cop
     end
 
     context 'when a file inherits from a url inheriting from another file' do
-      let(:file_path) { '.robocop.yml' }
+      let(:file_path) { '.rubocop.yml' }
       let(:cache_file) { '.rubocop-http---example-com-rubocop-yml' }
       let(:cache_file_2) { '.rubocop-http---example-com-inherit-yml' }