Preheat your oven to 350°F (175°C) and line a muffin tin with liners.
In a large bowl, whisk together flour, sugar, baking powder, and cinnamon until well combined.
In another bowl, mix pumpkin puree, eggs, and oil until smooth.
Gently fold the wet mixture into the dry mixture. Be careful not to overmix; a few lumps are okay.
In a small bowl, beat the cream cheese until creamy. You can add a bit of sugar or cinnamon to taste if desired.
Spoon a layer of batter into each muffin cup until about halfway full, add a dollop of cream cheese filling, and top with more batter until the cups are about ¾ full.
Place in the preheated oven and bake for 20-25 minutes, or until a toothpick comes out clean.
Remove muffins from the oven, allow them to cool in the pan for 5 minutes, then transfer to a wire rack to cool completely.