It CAN BE an equiptment problem.....make sure to check your lie angles. My irons shafts were too weak and the toe would droop so much i'd hit it off the toe. Got them readjusted and not a problem anymore.
OR
If you don't keep your "tush line" as Brady Riggs would say. If your waist/lower body comes foward during the downswing you have to pull your arms in to compensate (brain does it automatically) and you'll hit it off the toe.
So make sure your lie angle is good and you aren't losing the line.