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