01 - Preheat oven to 350°F. Grease a 9x5-inch loaf pan and line with parchment paper for easy removal.
02 - In a large bowl, whisk together flour, granulated sugar, brown sugar, baking soda, baking powder, salt, cinnamon, nutmeg, ginger, and cloves until well blended.
03 - In a separate bowl, whisk eggs, vegetable oil, milk, vanilla extract, and pumpkin puree until smooth.
04 - Gently fold wet ingredients into the dry mixture until just combined, avoiding overmixing.
05 - In another bowl, beat cream cheese, granulated sugar, egg, and vanilla extract using an electric mixer or whisk until creamy and smooth.
06 - Pour half of the pumpkin batter into the prepared loaf pan. Spread into an even layer.
07 - Evenly spoon the cream cheese mixture over the pumpkin batter and gently spread to cover; do not swirl.
08 - Pour the remaining pumpkin batter over the cream cheese layer and smooth the surface.
09 - Bake for 55 to 65 minutes, or until a toothpick inserted in the center comes out mostly clean, allowing for some cream cheese residue.
10 - Allow bread to cool in the pan for 15 minutes, then transfer to a wire rack to cool completely before slicing.