Combine stewed tomatoes, chopped celery, salsa, kidney beans, refried beans, chopped onion, water, taco seasoning, and pepper in a large bowl.

Crumble extra-lean ground beef over the mixture and mix well.

Transfer the mixture to a greased ovenproof Dutch oven.

Cover and bake at 350°F (175°C) for 1 hour, or until the meat is no longer pink, stirring once.

Let stand for 5 minutes before serving.

Garnish individual servings with a dollop of condensed nacho cheese soup.