Brown the beef: Heat a large skillet over medium-high. Add oil if needed, then ground beef.
Cook, breaking it up, until browned with crispy bits, about 6–8 minutes. Drain excess fat if very greasy.
Sauté aromatics: Add onion and bell pepper to the skillet. Cook 3–4 minutes until softened.
Stir in garlic for 30 seconds until fragrant.
Load the crockpot: Transfer the beef mixture to the slow cooker. Add diced tomatoes with chiles, beef broth, tomato paste, taco seasoning, and a few grinds of black pepper. Stir well.
Slow cook: Cover and cook on Low for 6–7 hours or on High for 3–4 hours.
The flavors should meld and the veggies turn tender.
Add creaminess: About 30 minutes before serving, stir in cream cheese cubes until melted and smooth. Add heavy cream and shredded cheese. Cover and cook 20–30 minutes more, stirring once or twice.
Finish and season: Stir in lime juice.
Taste and adjust salt, pepper, or heat (a pinch more red pepper flakes if you like).
Serve: Ladle into bowls. Top with avocado, cilantro, sour cream, jalapeños, and extra cheese if you want. Enjoy hot.