It could be the result of some sort of experiment or encounter. Perhaps Naruto met a mysterious figure who, for some reason, bestowed the Tenseigan upon him. Or it could be that he accidentally stumbled upon an ancient artifact during the Chunin Exams that gave him the Tenseigan.
Maybe it was a hidden inheritance. There could be some long - lost family connection that no one knew about, and during the Chunin Exams, some event triggered the awakening of the Tenseigan within Naruto.
Another possibility is that it was a gift from a higher power. In the fanfiction world, there could be some sort of deity or powerful being who decided that Naruto needed the Tenseigan for some greater purpose during the Chunin Exams. It could be part of a prophecy or a plan to change the future of the ninja world.
Well, it could change the story in many ways. For one, Naruto would have a huge power boost. He might be able to easily defeat opponents in the Chunin Exams that he would have struggled with before. His new Tenseigan powers could also attract more attention, both good and bad. Maybe some powerful enemies would target him earlier, or some allies would seek him out for his new strength.
A possible plot could be that female Naruto is targeted by a group who don't want her to succeed in the Chunin Exams. They try to sabotage her at every turn, but she overcomes their obstacles with her determination and the help of her friends. Another plot could be that she discovers a hidden power during the exams that she didn't know she had, which gives her an edge over the other competitors.
Perhaps in this fanfiction, Naruto is fatally injured in a fight during the Chunin Exams. He might sacrifice himself to save one of his friends. This would cause a great outpouring of grief from his friends and mentors. The village would also be in shock, and there could be a change in the power dynamics as his absence leaves a void.
One possible consequence could be a huge shift in the power dynamics among the ninja villages. Since Naruto was seen as a potential strong force, his death might make Konoha more vulnerable. Also, his friends like Sasuke and Sakura would be deeply affected. Sasuke might be driven further into his quest for power in a more reckless way out of revenge or a sense of loss. And Sakura would likely be devastated, perhaps changing her path from a healer to someone more focused on vengeance as well.
One plotline could be that Naruto's godlike powers attract the attention of powerful enemies outside of the village. These enemies try to either capture or kill him during the Chunin Exams. Naruto has to use his newfound powers to protect not only himself but also his friends and the village.
He could be disqualified, of course. In the Chunin Exams, integrity is important. If caught cheating, Naruto would likely face immediate expulsion from the exams. This would also damage his reputation among his peers and mentors, like Kakashi and Iruka. They have high hopes for Naruto, and cheating would be a huge disappointment.
One reason could be his past experiences of being bullied and looked down upon. In fanfiction, this might push him to overcompensate during the Chunin Exams. He wants to show everyone that he's not the weakling they thought he was, so he becomes brutal in his fighting style. Another reason could be the influence of some dark power or a mentor who encourages him to be more aggressive.
Well, one possible plot development could be Naruto training even harder to prove himself. After the Chunin Exams, he might seek out new jutsu or ways to improve his skills. Maybe he starts to focus on his control over the Nine - Tails' chakra more intensively.
The interference of external forces. In fanfiction, there could be some hidden enemies or manipulators who are trying to make Naruto lose control during the Chunin Exams. They might be spreading false rumors about him or creating situations that are designed to break his spirit, such as framing him for cheating or something similar.
One possible plotline could be that Samui is a foreign ninja participating in the Chunin Exams in Konoha. Naruto might befriend her during the exams. They could team up for some of the challenges, like the forest of death. Naruto's unique skills and Samui's different fighting style could create an interesting dynamic.