Line a loaf pan with parchment paper.

In a large bowl, beat softened cream cheese until smooth.

Fold in whipped topping and sweetened condensed milk until well combined.

Place a layer of chocolate chip cookies at the bottom of the loaf pan.

Spread a layer of the cream cheese mixture over the cookies.

Repeat layers of cookies and cream cheese mixture until all ingredients are used, ending with a layer of cream cheese mixture.

Sprinkle extra chocolate chips on top, if desired.

Cover tightly with plastic wrap and freeze for at least 4 hours, preferably overnight.

Remove from freezer, slice, and serve with optional toppings like fresh fruit or chocolate sauce.