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Season beef with salt and pepper. Set aside.
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In a large skillet, heat olive oil over medium heat. Add onion and cook, stirring occasionally, until browned.
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Add seasoned beef and cook thoroughly, breaking up the meat with a wooden spoon, until no longer pink.
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Stir in taco seasoning and reduce to a simmer, cooking over low heat for at least 10 minutes or according to the instructions on the packet.
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Top the lettuce with beans, meat, and pico de gallo. Sprinkle with cheese and crushed tortilla chips, and dress with taco sauce and ranch.