Heat a large heavy skillet over medium-high heat; add beef and cook, breaking up with spoon, until cooked through.
Add fresh onion, fresh garlic and red bell pepper and cook for 3 to 4 minutes longer.
Add beans, diced tomatoes, tomato paste, chili powder, cumin, garlic powder, and red chili flakes, stirring to combine. Cover and cook on low heat for 30 minutes to 1 hour, or longer in a slow cooker if desired.
Season with salt and pepper. Serve in bowls topped with grated cheese and other garnishes.
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1
* The % Daily Value (DV) tells you how much a nutrient in a serving of food contributes to a daily diet. 2,000 calories a day is used for general nutrition advice.