Preheat your oven to 350°F (175°C). Grease a 9 × 5-inch loaf pan with butter or oil, or line it with parchment paper. Leave a little parchment hanging over the sides to make removing the finished loaf easier.
In a medium bowl, whisk together the flour, baking soda, baking powder, cinnamon, nutmeg, ginger, and salt. Mixing these ingredients first helps distribute the leavening agents and spices evenly throughout the bread.
In a large mixing bowl, whisk together the pumpkin purée, eggs, granulated sugar, brown sugar, vegetable oil, milk, and vanilla extract. Continue whisking until the mixture looks smooth and well combined.
Add the dry ingredients to the pumpkin mixture. Stir gently with a spatula until the flour is just incorporated. Do not overmix, as excessive stirring can make the finished bread dense or tough.
Add the semi-sweet chocolate chips and gently fold them into the batter. Reserve a small handful if you would like to decorate the top of the loaf with extra chocolate chips.
Pour the batter into the prepared loaf pan and spread it evenly. Sprinkle the reserved chocolate chips over the top for an attractive finish.
Place the pan in the preheated oven and bake for approximately 55–65 minutes. Begin checking around 50 minutes, as oven temperatures and pan materials can affect baking time.Insert a toothpick into the center of the loaf. It should come out without wet batter; melted chocolate on the toothpick is perfectly fine. If the top browns too quickly, loosely cover it with aluminum foil for the remaining baking time. Remove the loaf from the oven and let it rest in the pan for 15–20 minutes. Transfer it to a wire rack and allow it to cool further before slicing. This helps the crumb set properly and keeps the slices from crumbling.
Slice the Chocolate Chip Pumpkin Bread with a sharp knife and serve it plain or slightly warmed. Enjoy it with coffee, tea, or a glass of milk. For an extra-indulgent treat, spread a little butter over a warm slice.