In a large bowl, mix the pumpkin, sugars, eggs, milk and oil in large bowl until well combined.
Mix the dry ingredients together in a seperate bowl, then add to the wet in 2-3 batches, stirring in between. Don't over beat.
Beat the cream cheese with a couple of tablespoons of white sugar until the sugar is incorporated.
Line a loaf pan with parchment paper.
Spoon a little more than half of the batter into the loaf pan, top with the cream cheese mixture, then spoon the rest of the pumpkin batter on top.
Bake in a 350 degree oven for about an hour, until a toothpick inserted in the centre comes out clean. Allow to cool for about 10-15 minutes in the pan, then remove to a wire rack to cool completely. Store in an air-tight container.