I encountered this problem after entering the Poseiden Gas Station just Sth of New Vegas/ Violetta and Violet's trailer park. About 5-10 minutes of playing (attacking the Violetta and Violet), my head suddenly exploded. I was very surprised. I reloaded, played in the same area again it happened again. Third time, I fast-mapped away from the area back to my "Underground Hideout" near Red Rock Canyon and it still happened.
Initially thought it was a conflicting mod that I just installed but the problem remains even after un-installing said mod and reloading from a pre-mod save. Despite not having started Dead Money for the 2nd playthrough, using the console to player.removeitem "XXXXX" dead money collar doesn't fix the problem. I wonder if there is a specific code for the dead money exploding head effect and whether it can be turned off using the console.
I should say that I played ~180hrs of NV with multiple mods installed without once encountering this problem. This includes completing Dead Money and returning to New Vegas from Sierra Mardia (?sp) and playing through a little more using my first courier.
I am currently going through the process of slowly and individually deactivating some ~90 mods to see if there is a specific mod that is causing this problem but it is a very, very annoying problem and any other suggestions/help/comments would be much appreciated.
My F:NV patched to v1.3; has Dead Money and Caravan DLCs installed and running on Windows XP on a medium end machine that hasn't had any problems to date running the game.