Preheat the Oven – Set to 350°F (175°C). Grease and line a 9×5-inch loaf pan with parchment paper, leaving some overhang for easy removal.
Make the Cream Cheese Filling – In a medium bowl, beat cream cheese, sugar, egg, and vanilla until smooth. Set aside. Mix the Dry Ingredients – In a large bowl, whisk together flour, baking soda, baking powder, salt, cinnamon, nutmeg, ginger, and cloves.
Combine Wet Ingredients – In another bowl, whisk together granulated sugar, brown sugar, oil (or butter), eggs, pumpkin puree, milk, and vanilla until well combine Make the Batter – Add the wet mixture to the dry mixture and stir until just combined—don’t overmix.
Layer the Loaf – Pour half of the pumpkin batter into the loaf pan. Spread the cream cheese mixture evenly over it. Top with the remaining pumpkin batter, smoothing the top.
Bake – Bake for 55–65 minutes, or until a toothpick inserted into the center (avoiding the cream cheese layer) comes out clean. Cool – Let the bread cool in the pan for 15 minutes, then transfer to a wire rack to cool completely before slicing.