Heat oil in a pan and cook peppers to just "char" the edges. Remove and mix with cream cheese, shredded onions, garlic, cumin and cilantro.
Mix meat with salt and pepper and form into 4-6 burgers, again, thinner in the middle since they will plump up.
Cook the burgers on a grill pan, medium heat. When about done, to your liking, add a good spoonful of the cream cheese/ pepper mixture and then top with cheddar. Heat till melty. Place onto a bun.
YUM YUM YUM. The ONLY change I would make would be to add a dash of Worcestershire sauce to the meat to give it a bit more flavor, however if you smother the buns/meat with the cream cheese mixture, you'll be in heaven.