Preheat oven to 350°F and grease a 9x5-inch loaf pan with butter or spray.
In a medium bowl, beat cream cheese, sugar, egg, and vanilla until smooth and fluffy for the swirl filling.
Whisk flour, baking soda, cinnamon, nutmeg, cloves, and salt together in a large mixing bowl.
Mix pumpkin puree, brown sugar, oil, eggs, and vanilla in another bowl until well combined.
Fold dry ingredients into wet mixture until just combined, avoiding overmixing for tender texture.
Pour half pumpkin batter into pan, spread cream cheese mixture, then top with remaining batter.
Use a knife to create swirls by making figure-eight patterns through the layered batters gently.
Bake for 60-70 minutes until a toothpick inserted in the center comes out with moist crumbs only.
Cool in the pan for 15 minutes before transferring to a wire rack to cool completely.
Slice and serve once completely cooled for the cleanest cuts and best texture throughout.