01 -
Set your oven to 350°F (175°C) and prepare a suitable baking dish.
02 -
In a skillet over medium heat, brown the ground beef with the onion and garlic. Drain any excess grease.
03 -
Reduce heat and incorporate cream cheese and sour cream, stirring until the mixture becomes smooth and well combined.
04 -
Mix in the diced tomatoes, refried beans, chili powder, cumin, salt, and black pepper. Stir until everything is evenly combined.
05 -
Transfer the mixture to your baking dish, sprinkle with shredded cheese, and bake for 20-25 minutes until the cheese is bubbly and golden.
06 -
Top with chopped green onions and serve hot with tortilla chips.