Heat the olive oil in a large pot over medium heat. After 90 seconds, add the diced onion and carrots and cook, stirring regularly, until softened and translucent, 5-6 minutes.
Add the minced garlic, the taco seasoning, coriander, and nutritional yeast. Continue to sauté for about a minute over medium heat to bloom the spices in the hot oil without scorching the garlic.
Add the diced jalapeño (or leave it out if you hate spice), minced chipotle peppers, black beans, pinto beans, refried beans, crushed tomatoes, and vegetable stock. Stir together making sure the glob of refried beans has mixed into the body of the soup, then increase the heat to bring the soup to a steady boil.
Once boiling, reduce to a gentle simmer over medium-low heat for 10 minutes.
Stir in the corn, chopped cilantro, and salt. Simmer for 5 minutes, then taste and adjust seasoning if needed.
Ladle into bowls and serve with vegan sour cream, grated vegan cheese, sliced black olives, diced avocado, tortilla strips or chips, and additional cilantro leaves.