Whisk together milk and chocolate pudding mix until thickened.
In another bowl, beat cream cheese until smooth.
Add powdered sugar to the cream cheese and mix well.
Fold in whipped topping into the cream cheese mixture.
Layer chocolate graham crackers at the bottom of a 9x13 inch dish.
Spread half of the cream cheese mixture over the graham crackers.
Add half of the chocolate pudding mixture on top.
Repeat the layers with the remaining ingredients, finishing with pudding on top.
Chill in the refrigerator for at least 4 hours to set.
Before serving, whip heavy cream and top the dessert with it and chocolate chips.