Preheat your oven to 350°F and grease a 9×5-inch loaf pan or line it with parchment paper.
In a medium bowl, whisk together the flour, baking soda, baking powder, salt, cinnamon, nutmeg, and cloves. Set aside.
1 ½ cups all-purpose flour, 1 teaspoon baking soda, ½ teaspoon baking powder, ½ teaspoon salt, 1 ½ teaspoons ground cinnamon, ½ teaspoon ground nutmeg, ¼ teaspoon ground cloves
In a large bowl, whisk together the pumpkin puree, granulated sugar, brown sugar, eggs, vegetable oil and milk until smooth and well combined.
1 cup pumpkin puree, ½ cup granulated sugar, ½ cup brown sugar, 2 large eggs, ½ cup vegetable oil, ¼ cup milk
Gradually add the dry ingredients to the wet ingredients, stirring until just combined. Be careful not to overmix.
In a separate bowl, beat together the cream cheese, brown sugar, egg and flour until smooth and creamy.
4 ounces cream cheese, ½ cup brown sugar, 1 large egg, 1 tablespoon all-purpose flour
Pour half of the pumpkin batter into the prepared loaf pan, spreading it evenly.
Carefully spoon the cream cheese mixture over the pumpkin batter, spreading it out evenly.
Pour the remaining pumpkin batter over the cream cheese layer, gently spreading it to cover the cream cheese completely.
Bake in the preheated oven for 55-65 minutes, or until a toothpick inserted into the center comes out clean.
Allow the bread to cool in the pan for about 10 minutes, then transfer it to a wire rack to cool completely before slicing.