Cook the Pasta: Bring a large pot of salted water to a boil, add pasta, and cook until al dente, about 8-10 minutes. Drain and set aside.

Brown the Ground Beef: Heat oil in a skillet over medium heat. Add ground beef, cook until browned (5-7 minutes), then drain excess fat.

Sauté the Vegetables: Add bell peppers and onions to the skillet and sauté for 3-4 minutes until tender.

Create the Creamy Sauce: reduce heat to low, add cream cheese, taco seasoning, and milk. Stir until smooth.

Combine Pasta and Sauce: Add drained pasta to the sauce and mix for 2-3 minutes until well coated. Stir in shredded cheese until melted.

Serve and Garnish: Dish out portions, garnish with optional toppings, and serve hot.