Heat olive oil in a skillet over medium heat.
Season chicken with taco seasoning and lime juice.
Cook chicken for 6 to 7 minutes per side until golden and cooked through.
Remove chicken from heat and let rest, then shred or dice.
In a saucepan over medium heat, combine cream cheese and milk; stir until smooth.
Add shredded cheddar and Monterey Jack cheeses along with salsa, stirring until melted and creamy.
Adjust queso thickness by adding more milk as needed; add jalapeños for desired spice level.
Warm tortillas in a dry skillet or microwave until soft and pliable.
Fill each tortilla with shredded chicken, drizzle with queso, and top with preferred toppings.
Serve tacos with lime wedges on the side.