Preheat your oven to 350°F (175°C). Grease the loaf pan or line it with parchment paper for easy removal later.
In a mixing bowl, combine pumpkin puree, vegetable oil, granulated sugar, brown sugar, eggs, and 1 teaspoon vanilla extract. Mix until well blended and smooth.
In another bowl, whisk together the flour, baking soda, baking powder, cinnamon, nutmeg, cloves, and salt. Gradually add the dry ingredients to the pumpkin mixture, stirring until just combined. Avoid overmixing.
In a separate bowl, beat the softened cream cheese, ¼ cup granulated sugar, and 1 teaspoon vanilla extract until smooth and creamy. Set aside.
Pour half of the pumpkin batter into the prepared loaf pan. Add dollops of the cream cheese mixture over the pumpkin layer, followed by the remaining pumpkin batter. Use a knife or skewer to gently swirl the cream cheese into the pumpkin batter for a marbled effect.
Bake in the preheated oven for about 60 minutes, or until a toothpick inserted in the center comes out clean.
Once baked, remove from the oven and let the bread cool in the pan for about 10 minutes. Then transfer it to a cooling rack to cool completely.
Serve and enjoy your delicious pumpkin bread with cream cheese!