Brown ground beef in a skillet over medium heat.

Drain excess grease from the browned ground beef.

In the same skillet, combine the browned ground beef with pinto beans.

Heat the beef and bean mixture on low heat for 5-10 minutes, stirring occasionally.

In a separate saucepan, heat the nacho cheese soup until smooth and warm.

On a serving plate or individual plates, layer tortilla chips.

Top the tortilla chips with the beef and bean mixture.

Drizzle the heated cheese sauce over the beef and bean mixture.

Sprinkle chopped lettuce, diced tomato, and chopped green onions over the cheese sauce.

Garnish with dollops of sour cream.

Serve immediately.