1. Brown ground beef in a large soup pot with onion and garlic. Drain any excess grease.
2. Add in black beans, corn, rotel, taco seasoning, potatoes, chicken broth and milk. Bring to a low boil and let simmer for about 20 minutes.
3. Add in the cream cheese, cilantro, and salt and pepper to taste.
4. Serve with all the toppings and tortilla chips!
