Heat olive oil in a 12-inch non-stick skillet over medium-high heat.
Crumble in beef and let sear without moving for 3 minutes until browned on bottom.
Turn and break up beef with a spoon, continue cooking 5-7 minutes until cooked through.
Drain fat from beef, then stir in salsa, chili powder, and cumin.
Season with salt and pepper to taste and heat through for 1 minute.
Remove from heat and stir in fresh cilantro.
Layer chopped lettuce among individual plates or bowls.
Top each serving with lightly crumbled tortilla chips, then warm seasoned beef mixture.
Add shredded cheese, diced tomatoes, avocado, sour cream, and red onion as desired.
Serve immediately while beef is warm and chips are crispy.