01 -
In a large pot, heat olive oil over medium heat. Add the ground turkey or chicken and cook until browned.
02 -
Add taco seasoning, garlic powder, onion powder, cumin, salt, and black pepper. Stir to coat the meat.
03 -
Pour in the diced tomatoes, green chilies (if using), black beans, and chicken broth. Stir to combine.
04 -
Bring to a simmer, then add cubed cream cheese. Stir until the cream cheese melts and the soup becomes creamy.
05 -
Add the shredded cheddar cheese and stir until melted and smooth.
06 -
Taste and adjust seasoning if needed. Serve hot, garnished with sour cream, cilantro, and a squeeze of lime if desired.