Preheat oven to 350 degrees, spray 2 muffin tins with cooking spray, set aside. In a large bowl, add the flour, sugar, baking powder, baking soda and salt. Whisk to combine. Set aside.
In a medium sized bowl, add in the remaining ingredients. Stir to combine, add the wet mixture to the dry and stir until just combined and no dry spots. Divide the batter among the 2 muffin tins, about 1/2 of the way full. Bake for 14-16 minutes, until a toothpick inserted comes out mostly clean. Place on wired rack, let cool slightly and using a small bottle, push in the middle of the cups. Let cool completely.
Mix the pudding with the whipped topping. Fill cups with mixture, add a dollop of whipped topping and garnish with the cookie crumbs. Serve and enjoy!