A thick, creamy dessert with chocolate chips and cookie dough crumbles, lightly sweet and served chilled.
Let the cream cheese soften fully; cold cream cheese leaves small lumps.
Use a thick Greek yogurt. Watery yogurt can make the fluff too thin.
If the mixture is too thick before folding, add milk 1 tablespoon at a time.
For the best texture, add the topping chips and crumbles just before serving.