In a large saucepan, fry the onion in the oil for 5 minutes. Add in the garlic and the spices and fry for 5 minutes more.
Add in the diced carrots and pumpkin and fry for 5 minutes.
Drain and rinse the kidney beans in a sieve to remove the brine. Add in to the vegetable mixture alongside the cans of chopped tomatoes.
Add in the vegetable stock, vinegar and dried oregano. Simmer on low-medium heat until the pumpkin has softened and the sauce has thickened, stirring occasionally.
Once the sauce has thickened, stir through the chopped coriander and season with salt and pepper to taste.
Serve hot, over nacho chips with cheese and other toppings of your choice (sour cream, jalapeños, avocado...)