Prepare the Taco Mixture: Heat the vegetable oil in a large skillet over medium-high heat. Add the ground beef and cook undisturbed for 4 minutes. Add the onion and bell pepper and cook, stirring frequently, for 6 to 8 minutes or until the onions are translucent and the beef is no longer pink. Drain off the excess fat and add the garlic and taco seasoning. Cook for 1 minute longer then add the refried beans and salsa. Bring to a simmer; lower the heat to medium-low and simmer for 8 to 10 minutes while stirring frequently.

Make the Dressing: Combine the sour cream, mayonnaise, lime juice, cumin, chili powder, salsa, and cilantro, and use an immersion blender or blender to process until smooth. Taste and add salt and pepper as needed.

Assemble the Salad: Arrange the lettuce on salad plates. Top with a scoop of the taco mixture. Arrange the tortilla chips around the edges and sprinkle with the cheese, diced tomatoes, and olives. Garnish with your favorite toppings and enjoy!