From Marinette's point of view

Marinette just defeated a powerful Akuma and is about to transform back. So escape to a hidden spot. By accident she lands on the roof of the hotel and transforms back. She leaves her cover without thinking and is amazed to see a naked Chloe.

While inadvertently admiring Chloe's hot body, she angrily approaches you. "What are you doing here, nobody can be here but me right now" Chloe yells at Marinette. Marinette was already frozen when Chloe just stood directly in front of her. She couldn't stop looking down at Chloe, though. Until her gaze lingers on Chloe's bare vagina.

But then Chloe grabs her collar and asks herself "What's the matter, why are you looking at me like that". Then Chloe looks down and realizes again that she is naked. And not only naked, but also in front of Marinette.