Consumer equilibrium is the state at which the consumer is maximally contented with the level of utility that they are gaining from the way they use their money. They have chosen to buy an optimal mix of goods and services.
If a person is at "consumer equilibrium" there is no way that they could increase the utility they get from the use of their money. If they spent another dollar, for example, they would get no increase in overall utility.
There is no set type of condition or conditions that determine when a consumer is at consumer equilibrium. Different people get different amounts of utility from different things. Therefore, we cannot really say that there are conditions that would cause a person to be at consumer equilibrium. All we can say is that they are at consumer equilibrium when they could not possibly increase the utility they gain from spending their money.