Gather and measure all your ingredients.
Preheat the oven to 325°F and lightly grease a loaf pan with baking spray.
Whisk the dry ingredients together in a mixing bowl.
In a separate bowl, beat the pumpkin puree, eggs, vegetable oil, and sugar until combined.
Slowly add the dry ingredients to the wet ingredients, stirring just until combined.
To make the cream cheese filling, beat the cream cheese, sugar, egg, flour, and vanilla extract until smooth. Set aside.
Pour 1 1/2 cups of the pumpkin bread batter into the prepared loaf pan.
Spread the cream cheese mixture evenly over the batter, then top with the remaining pumpkin batter.
Bake for 75 to 85 minutes, loosely tenting the loaf with foil during the last 15 minutes if the top is browning too quickly.
Let the pumpkin bread cool in the pan for 15 minutes, then transfer it to a wire rack to cool completely. Slice and enjoy!