In a large bowl, whisk together the dry ingredients. Make a well in the center and add the buttermilk, egg, oil, and pumpkin. Whisk together until just combined (it's ok if there are a few dry spots remaining; over mixing pancakes can make them thick and dry).
Preheat a griddle or skillet on the stovetop to medium. Pour about 1/3 cup or so batter into circles on the griddle or skillet. Sprinkle with chocolate chips (if using). Cook until bubbles appear on the surface of the batter, 1-2 minutes. Once the bubbles begin popping, flip the pancakes and cook for another 30 seconds to 1 minute.
Notes
Flour: if you don't have whole wheat flour, all-purpose flour could be used. Buttermilk: remember that making your own buttermilk is super easy (a quick suggestion would be to use 1 3/4 cups milk and 2 tablespoons lemon juice or vinegar).