01 - Preheat oven to 350°F. Grease and line a 9x5-inch loaf pan with parchment paper.
02 - In a medium bowl, whisk together all-purpose flour, cocoa powder, baking powder, baking soda, salt, cinnamon, nutmeg, and cloves. Set aside.
03 - In a large bowl, whisk together granulated sugar, light brown sugar, eggs, pumpkin puree, vegetable oil, milk, and vanilla extract until smooth.
04 - Add the dry mixture into the wet ingredients and stir gently until just combined. Avoid overmixing.
05 - In a separate bowl, beat softened cream cheese with sugar, egg, and vanilla extract until creamy and smooth.
06 - Pour half of the chocolate pumpkin batter into the prepared pan and smooth the surface. Spoon cream cheese mixture evenly on top. Add remaining batter and gently swirl using a knife for a marbled pattern.
07 - Bake for 55 to 65 minutes, or until a toothpick inserted in the center emerges mostly clean or with a few moist crumbs.
08 - Allow to cool in the pan for 15 minutes. Transfer loaf to a wire rack until completely cooled before slicing.