Preheat oven to 350°F. Line a loaf pan with parchment paper.
In a bowl, whisk flour, baking soda, baking powder, salt, and pumpkin pie spice.
In another bowl, mix pumpkin purée, brown sugar, ¼ cup granulated sugar, oil, sour cream, 1 egg, and vanilla until smooth.
Stir in the dry ingredients until just combined. Spread two-thirds of batter in loaf pan.
In a medium bowl, beat cream cheese, 2 ½ tablespoons flour, 1 egg, and ¼ cup granulated sugar until smooth.
Spread cream cheese mixture over batter. Top with remaining pumpkin batter.
Bake 45–55 minutes, until a toothpick inserted into pumpkin portion comes out clean. Tent with foil if top browns too quickly.
Cool in pan at least 20 minutes before slicing. Enjoy!