Ingredients:

For the bread:
– 1 ½ cups all-purpose flour
– 1 teaspoon baking powder
– 1 teaspoon baking soda
– ½ teaspoon salt
– 1 teaspoon ground cinnamon
– ½ teaspoon ground nutmeg
– ½ teaspoon ground cloves
– 1 cup pumpkin puree
– ⅓ cup vegetable oil
– 2 large eggs
– 1 cup granulated sugar
– ½ cup brown sugar
– ½ teaspoon vanilla extract

For the cream cheese filling:
– 8 ounces cream cheese, softened
– 1/4 cup granulated sugar
– 1 egg
– 1/2 teaspoon vanilla extract

For the crumb topping:
– ⅓ cup all-purpose flour
– ⅓ cup granulated sugar
– 1 teaspoon ground cinnamon
– 3 tablespoons cold unsalted butter, cubed

Instructions:

1. Preheat your oven to 350°F (175°C). Grease and flour a 9×5-inch loaf pan. This will ensure that our delightful bread doesn’t stick and releases effortlessly.

2. In a large mixing bowl, whisk together the all-purpose flour, baking powder, baking soda, salt, ground cinnamon, nutmeg, and cloves. Let the delightful aroma of these spices envelop you, setting the stage for a truly remarkable treat.

3. In another bowl, combine the pumpkin puree, vegetable oil, eggs, granulated sugar, brown sugar, and vanilla extract. Whisk these ingredients together until they form a smooth and creamy mixture, showcasing the harmonious blend of flavors.

4. Slowly incorporate the dry ingredients into the wet ingredients, mixing until just combined. Be careful not to overmix, as this could result in a dense bread. A tender crumb is our goal!

5. In a separate bowl, prepare the cream cheese filling by beating together the softened cream cheese, granulated sugar, egg, and vanilla extract until smooth and velvety. Set this luxurious filling aside, eagerly awaiting its place in our bread.

6. Pour half of the pumpkin batter into the prepared loaf pan, spreading it evenly. Now, gently pour the cream cheese filling over the pumpkin batter, making sure to leave a border around the edges.

7. With great care, pour the remaining pumpkin batter over the cream cheese filling, covering it completely. These alternating layers will create a delightful surprise in every slice.

8. In a small bowl, combine the all-purpose flour, granulated sugar, cinnamon, and cold cubed butter. Use your fingertips to rub the mixture until it resembles coarse crumbs. Sprinkle this heavenly crumb mixture over the top of the loaf, adding a beautiful crunch that will complement the creamy center.

9. Place the loaf pan in the preheated oven and bake for approximately 50-60 minutes, or until a toothpick inserted in the center comes out clean. Delight in the aromatic scent wafting through your home as the bread turns a gorgeous golden brown.

10. Once done, remove the bread from the oven and let it cool in the pan for about 10 minutes to allow the flavors to meld and settle. Gently transfer the bread to a wire rack to cool completely or enjoy it warm, as the cream cheese filling will slightly ooze, providing an irresistible temptation.

Tips and Variations:

– For a nutty twist, consider adding a ½ cup of chopped walnuts or pecans to the batter or crumb topping.
– Elevate the fall flavors by adding a teaspoon of pumpkin pie spice to the dry ingredients.
– This recipe can also be made in muffin tins for individual pumpkin cream cheese muffins. Just adjust the baking time accordingly, around 25-30 minutes should suffice.

Conclusion:
Every slice of this Pumpkin Cream Cheese Bread is a subtle celebration of the changing seasons. The tender crumb, the luxurious cream cheese filling, and the irresistible cinnamon crumb topping will transport you to a world of cozy nostalgia. So grab a slice, gather your loved ones, and create cherished autumn memories that will warm your hearts for years to come. Autumn, in all its splendid glory, is waiting for you.