I am using php mysqli_connect for login to a MySQL database (all on localhost)
I solve this by SQL command:
ALTER USER 'mysqlUsername'@'localhost' IDENTIFIED WITH mysql_native_password BY 'mysqlUsernamePassword';
which is referenced by https://dev.mysql.com/doc/refman/8.0/en/alter-user.html
if you are creating new user
CREATE USER 'jeffrey'@'localhost' IDENTIFIED WITH mysql_native_password BY 'password';
which is referenced by https://dev.mysql.com/doc/refman/8.0/en/create-user.html
this works for me