Preheat oven to 350°F. Spray an 8x4-inch loaf pan with cooking spray.
Whisk oil, pumpkin, eggs, and peanut butter in a large bowl until no lumps remain.
Stir in sugars, pumpkin pie spice, and baking soda. Stir in flour.
Stir about 3/4 cup chocolate chips into batter.
Pour into prepared pan. Sprinkle the remaining chocolate chips over the top.
Bake for about 40-50 minutes until the loaf is done on the outside and a toothpick comes out with a bit of crumb. There'll be a perfect gooey spot in the center but the rest of the bread will be done perfectly.
Tip: slice cooled bread and freeze in individual baggies for a quick snack!