Preheat your oven to 350°F (175°C).
In a skillet over medium heat, brown the ground beef until cooked through. Drain any excess fat.
Stir in the taco seasoning, diced tomatoes, black beans, corn, and jalapeño (if using). Cook for about 3-5 minutes until heated through.
In a large mixing bowl, combine the sour cream, 1 cup of shredded cheddar cheese, and crushed tortilla chips. Mix well.
Add the beef mixture to the bowl and combine everything thoroughly. Season with salt and pepper to your taste.
Pour the mixture into a greased 9x13 inch baking dish and spread evenly.
Sprinkle the remaining 1 cup of shredded cheddar cheese on top, followed by extra crushed tortilla chips for added crunch.
Bake in the preheated oven for 25-30 minutes, or until the cheese is melted and bubbly.
Remove from the oven and let it cool slightly before serving. Garnish with chopped cilantro if desired.