Set your oven to 350°F (175°C). Grease a square cake pan with butter or cooking spray and set it aside.
Make The Pumpkin Cake Batter
In a large bowl, combine the spice cake mix, pumpkin puree, eggs, vegetable oil, milk, pumpkin pie spice, water, and sugar. Stir until the batter is smooth. Gently fold in the shredded coconut and chopped pecans so they’re evenly distributed.
Make The Cream Cheese Filling
In another bowl, beat the softened cream cheese with the butter until creamy. Gradually add powdered sugar and vanilla, mixing until smooth. Finally, stir in the mini chocolate chips.
Assemble The Cake
Pour the pumpkin batter into your prepared pan. Drop spoonfuls of the cream cheese mixture on top. Don’t fully mix it just swirl lightly with a knife to create a marbled look.
Bake And Enjoy
Bake for 45–50 minutes, or until a toothpick inserted in the cake comes out mostly clean (some cream cheese may stick, and that’s okay). Let the cake cool completely, then slice and serve.