Turning these ingredients into a delectable dip is simpler than you might think. Here’s how to do it:

1. In a large skillet over medium heat, cook the ground beef until browned, about 5-7 minutes. Drain any excess fat.
2. Add the chopped onion and minced garlic to the skillet, cooking until the onion is translucent, about 3 minutes.
3. Stir in the diced tomatoes, chili powder, cumin, salt, and pepper. Let the mixture simmer for 5 minutes, allowing the flavors to meld.
4. Reduce the heat to low and fold in the cream cheese and sour cream, stirring until smooth and well combined.
5. Sprinkle half of the shredded cheddar cheese into the mix, stirring until melted and creamy.
6. Transfer the mixture to an oven-safe dish if your skillet isn’t oven-proof. Top with the remaining cheddar cheese.
7. Bake in a preheated oven at 350°F (175°C) until the cheese is bubbly and golden, about 10-15 minutes.
8. Remove from the oven and garnish with chopped cilantro and diced jalapeño, if desired. Serve warm with tortilla chips.