Heat a large skillet over medium heat. Add ground beef and cook until almost fully browned, breaking it up as it cooks.
Sprinkle in the taco seasoning and pour in 1/4 cup water. Stir to combine and let simmer for 1–2 minutes.
Add the salsa, black beans, corn, and cumin. Stir well to combine.
Let the mixture simmer for about 10 minutes, until heated through and slightly thickened.
Sprinkle shredded cheese over the top and let it melt.
Remove from heat and top with shredded lettuce, avocado, cilantro, and crushed tortilla chips. Serve immediately.