Preheat your oven to 350 degrees Fahrenheit, and line a loaf pan with parchment.
In a large mixing bowl, whisk together the 1 cup all purpose flour, baking soda, baking powder, salt, and pumpkin pie spice.
In another bowl, mix together the pumpkin puree, brown sugar, 1/4 cup granulated sugar, vegetable oil, sour cream, 1 large egg, and vanilla extract.
Add the flour mixture, mixing until combined.
Add 2/3 of the batter to your loaf pan.
In a medium mixing bowl, mix together the cream cheese, 2 1/2 tbsp. all purpose flour, large egg, and 1/4 cup granulated sugar.
Add this on top of the batter you added to the loaf pan, carefully smoothing out into an even layer.
Add the remaining pumpkin batter over top of the cream cheese layer, making sure to cover the cream cheese completely.
Bake for 45- 55 minutes, or until a toothpick inserted into the center comes out without any wet batter.
If needed, you can loosely cover the bread with foil for the last 15 minutes to avoid the top browning too much.