Preheat the oven to 375°F.
In a large skillet over medium heat, cook the ground beef and onion, breaking the beef apart with a spoon, until the beef is cooked through and the onion is translucent, about 7 minutes.
1 pound lean ground beef, 1 onion
Stir in the garlic and taco seasoning and cook until fragrant, about 1 minute. Set aside.
2 cloves garlic, 1 ounce taco seasoning
While the beef cooks, mix the cream cheese, refried beans, and green chiles together in a medium bowl. Spread in the bottom of an 8x8 or 7x11-inch baking dish.
8 ounces cream cheese, 15 ounces canned refried beans, 2 ounces chopped green chiles
Top with the ground beef and salsa. Sprinkle on the cheese.
2 cups freshly shredded Monterey jack cheese, 1 cup salsa
Bake for 20-25 minutes or until the cheese is melted and the dip is warmed through.
Garnish with cilantro and serve warm with tortilla chips
Chopped fresh cilantro, Tortilla chips