Under stocked ( No Problem )
Over stocked ( Potential Problem )
It all comes down to common sense; Fish to big for tank / Too many fish in tank to manage acceptable water parameters.
The solution is education. Learn desired species growth potential, Space needs, Compatibility issues, Aquascape requirements, and most importantly exercise restraint at the fish store. Resist impulse buying.
Essentially, an over stocked tank is one whose occupants produce too much waste for the fish keeper to manage.