Preheat the oven to 350° F (180° C).
Fry the onion and garlic until soft, add the ground beef, and cook until all the meat has browned.
Add the peppers, stir, and cook until soft
Add the cumin, chili powder, tomato paste, tomatoes, salt, and pepper, and stir well.
Place contents from the pan into a baking dish.
Sprinkle the shredded cheese over evenly and cook in the oven for 20 minutes.
Garnish individual servings with sour cream and a sprinkle of cilantro.