In a large pot, heat the olive oil over medium-high heat. Add the onion, red pepper, and yellow pepper. Cook, stirring occasionally, until vegetable soften, about 5 minutes. Stir in the garlic and cook for an additional 2 minutes.
Add the tomatoes, black beans, pinto beans, pumpkin, vegetable broth, corn, chili powder, cumin, smoked paprika, salt, and pepper. Stir and let the chili simmer on low for 15 minutes.
While the chili is simmering, make the cornbread croutons, if using. Preheat oven to 400 degrees. Line a large baking sheet with parchment paper. Place the cornbread cubes on the baking sheet and drizzle with olive oil and toss. Spread the croutons out so they are iIn an even layer and not touching. Sprinkle with a little salt. Bake for 15 minutes, turning half way through, or until the croutons are golden brown and crispy.
To serve, ladle the chili into bowls. Top with desired toppings and cornbread croutons, if using. Serve warm.
Notes
You can use store bought cornbread to make the cornbread. You can freeze the chili for up to 3 months.