Step 1

Spray a 3-quart baking dish (or high-sided 9×9-inch pan) with cooking spray; set aside.

Step 2

To a medium mixing bowl, add the sour cream, cream cheese, and beat on high-speed with a handheld electric mixer.

Step 3

Add 1 packet taco seasoning and beat to incorporate.

Step 4

Turn mixture out into prepared pan; place pan in the fridge.

Step 5

To a large skillet, add the beef, onion, oil if necessary, and cook for about 5 minutes over medium-high heat, or until beef is cooked through and onion is soft and translucent. Crumble beef while it cooks to ensure even cooking.

Step 6

Add the green chiles, remaining 1 packet taco seasoning, and stir to combine.

Step 7

Add the black beans and stir to combine.

Step 8

Turn mixture out over sour cream-cream cheese layer.

Step 9

Evenly top with the cheese, tomato, cilantro, taco sauce, and serve immediately with tortilla chips.