djoy..a couple of thoughts here for you to try on...
First, yes, the cheese could be a problem if you were eating too much, but it sounds like you're ok there. Yes, you should be doing some physical activity by now...even if it's a little power walking here and there... really important for the metabolism.
But the biggie is the right balance of carbs to protein to fats...are you getting enough? Are you getting around 10 times your present weight in calories?
If you haven't tried fitday.com try to get on it ASAP...it will let you plug in all your daily foods and will break it down for you very clearly.
Also, maybe post a sample of your daily menu...you should be losing a bit more, but like you said, other things are happening...take your measurements and see if there are changes there.
Good attitude for being frustrated! I can relate...it took me 6 months with the same ten pounds! For me it took a total loss of appetitie and a complete start over...I lowered my portions, didn't eat in the evenings...got over lots of food obsessions.
You don't have to go that far probably...but it's good that you want to start seeing where the adjustments need to be made. You'll see results soon...