Heat oven to 350°F. Line a 12-cup muffin pan with paper liners.
Beat cream cheese, 1/4 cup sugar, 3/4 tsp vanilla, and a pinch of salt until smooth. Chill.
Stir flour, brown sugar, cinnamon, and a pinch of salt for streusel. Mix in melted butter to form clumps.
Whisk pumpkin, oil, eggs, 1 1/4 tsp vanilla, and both sugars in a large bowl until glossy.
Combine flour, pumpkin spice, baking soda, baking powder, and 1/2 tsp salt in a second bowl.
Fold dry ingredients into wet just until no dry streaks remain. Do not overmix.
Spoon a heaping tablespoon batter into each cup. Add a rounded teaspoon cream cheese filling.
Cover with remaining batter, dividing evenly. Sprinkle streusel over each muffin.
Bake 20–22 minutes, until domed and a tester near the edge comes out clean.
Cool 10 minutes in the pan. Transfer to a rack and let cool completely before storing.
Notes
Try swirling a little of the cream cheese into the top layer of batter for a visible ribbon. For a bakery crust, sprinkle a pinch of turbinado sugar over the streusel. Store covered in the refrigerator for up to 4 days; warm briefly in a low oven to refresh.This recipe is an original creation inspired by classic Pumpkin Cream Cheese Muffins flavors. All ingredient ratios and instructions are independently developed.