It could be Orochimaru. He has always been a source of trouble and if he manages to pull off some really devious plan that directly affects Naruto or his loved ones, it might cause Naruto to snap.
Perhaps Danzo. His underhanded actions and his role in many of the village's dark secrets could be the reason. If Naruto finds out all the things Danzo has done, like trying to assassinate Sasuke or his control over Root, Naruto could lose it.
It could be the Hidden Leaf Village's council. If they were to unjustly accuse Naruto of a serious crime he didn't commit, like being a traitor, and try to imprison or execute him, that would surely make him lose it. He has always strived to protect the village, and such a betrayal from its leaders would be a huge blow.
Madara Uchiha could also be a likely cause. If he somehow managed to return or had a long - planned scheme that involved breaking Naruto's sanity. He was a very powerful and devious foe who could use his knowledge of the ninja world and its powers to target Naruto's mental stability.
Well, it could be that Naruto finally snaps due to the continuous betrayal or loss he has faced. He might turn against his former friends or village. For example, if he discovers some dark secrets about the village that have been hidden from him all along, this could be the final straw. He could then start his own journey, not as a hero of the village but as a sort of anti - hero, challenging the existing order.
Well, one reason could be Sakura's constant nagging about Sasuke. Naruto has his own feelings and goals, and if Sakura is always pushing the Sasuke matter in a way that dismisses Naruto's feelings, it might make him snap. For example, if she keeps asking him to bring Sasuke back without considering how hard it is for Naruto.
Maybe it's a fellow guild member who has made a series of bad decisions. Their actions keep putting the guild in danger, and Natsu has been warning them. But when the situation gets really bad and people get hurt, Natsu snaps at that guild member for their irresponsible behavior.
In a 'naruto finally snaps fanfic', Naruto is the main focus, but characters like Kakashi would be involved. Kakashi has been Naruto's teacher and mentor, so he would be affected by Naruto's change. Also, characters from other villages such as Gaara could be part of the story. Gaara has his own connection with Naruto, and Naruto's snapping would have an impact on their relationship and the balance between villages.
It could make their relationship more strained. Sakura might be shocked and hurt, leading to a rift between them. For instance, she may not understand why Naruto snapped and hold it against him.
In this kind of fanfic, Naruto might finally lose his temper completely. Maybe he could turn against his friends or the village. He could start using his power in a more unrestrained way.
Obviously Tsuna would be the main character. His friends like Gokudera and Yamamoto are likely to be in it too. They might be the ones who are shocked by Tsuna's snapping and try to help him get back to normal. Reborn could also be there as he has been guiding Tsuna all along and would surely play a role in this situation, either trying to understand what made Tsuna snap or trying to fix it.
Danzo is another suspect. He has his own dark ways and has made decisions that could easily piss Naruto off, like using underhanded methods against his friends or the village.