Preheat oven to 350-degrees and grease a 9X5 loaf pan or line with parchment paper.
In a large bowl add the oil, brown sugar, granulated sugar, pumpkin puree, egg, and vanilla extract m. Mix to combine.
In a small bowl whisk together the flour, spices, baking powder, baking soda, and salt. Pour the dry ingredients into the wet ingredients and gently mix together using a rubber spatula or a wooden spoon. There will be a few lumps. Do not overmix. Pour 2/3rds of the batter into the prepared pan and spread into an even layer.
In a medium bowl whisk together the cream cheese, sugar, and flour. Once fully combined, whisk in the egg. Pour on top of the pumpkin bread layer, spreading cream cheese into an even layer.
Pour the remaining pumpkin batter on top.
To Make Streusel Topping: Mix together sugar, flour, butter, and cinnamon with a fork until coarse crumbs form. Sprinkle over pumpkin bread.
Bake for approximately 40 to 50 minutes, or until a toothpick inserted comes out clean.
Allow the bread to cool completely in the pan on a wire rack before removing and slicing.
*Spices: You can use 1 teaspoon pumpkin pie spice instead of nutmeg, cloves, and ginger.