Traditional associative learning theories predict that training with feature negative (A+/AB-) contingencies leads to the feature B acquiring negative associative strength and becoming a conditioned inhibitor (i.e., prevention learning). However, feature negative training can sometimes result in negative occasion setting, where B modulates the effect of A. Other studies suggest that participants learn about configurations of cues rather than their individual elements. In this study, we administered simultaneous feature negative training to participants in an allergist causal learning task and tested whether evidence for these three types of learning (prevention, modulation, configural) could be captured via self-report in the absence of any procedural manipulation. Across two experiments, we show that only a small subset of participants endorse the prevention option, suggesting that traditional associative models that predict conditioned inhibition do not completely capture how humans learn about negative contingencies. We also show that the degree of transfer in a summation test corresponds to the implied causal structure underlying conditioned inhibition, occasion-setting, and configural learning, and that participants are only partially sensitive to explicit hints about causal structure. We conclude that feature negative training is an ambiguous causal scenario that reveals individual differences in the representation of inhibitory associations, potentially explaining the modest group-level inhibitory effects often found in humans.