Cook the Chili:
Heat a large skillet over medium heat. Add the ground beef and cook until browned, breaking it up with a spoon. Drain any excess grease. Add the diced onion and garlic, cooking until softened. Stir in the chili seasoning, cumin, smoked paprika, salt, and pepper.
Simmer:
Add the diced tomatoes and beans to the skillet. Stir to combine and simmer for 10-15 minutes, allowing the flavors to meld.
Assemble the Frito Pie:
Single-Serving Style: Divide the Fritos among serving bowls. Spoon the chili over the top, then sprinkle with shredded cheese.
Baking Dish Style: Preheat the oven to 375°F (190°C). Spread a layer of Fritos in a baking dish, top with chili, and sprinkle with cheese. Repeat the layers and bake for 10 minutes or until the cheese is melted and bubbly.
Add Toppings:
Garnish with your favorite toppings like sour cream, jalapeños, or green onions for added flavor and color.