WileyNJ, sorry you were a little brief in you description, I don't really understood what happened or what you discovered while fueling your vehicle.
The U.S. Gasoline supply has improved in quality drastically over the last few decades. It is pretty uncommon to get bad gas now-a-days, if you you've ever seen the panel off a gas pump, you'd see water traps and filters in it, to do that one more time before finally going in your tank.
That is why manufacturers are NO longer recommending changing fuel filters, they likely can last the life of the vehicle. As well, fuel filter, along with the Engine's Electronic Brain, seems to be one of those that folks always want to jump to conclusions and blame as the problem as soon as they have troubles they can't figure out.
But, if you want to change it, Chrysler went to a fuel filter that is snap-in module on the fuel pump. It may be different on the Commander, so confirm this, but just about every Chrysler since 1999 has been this way.
The fuel filter snaps into fuel pump, on the portion that is on the outside of the fuel tank. So no, you don't have to remove the fuel pump to remove the filter. BUT, since the outer exposed portion of the fuel pump is on the top of the tank, you can't get to it easily.
On my '02 Mini-Van I had to loosen the straps and lower the gas tank quite a bit, before being to get enough room to reach in and unsnap the fuel filter and snap in a new one.
Looking at my Commander's fuel tank, it looks like you would have to do the same thing.
One more note of discouragement, this new kind of fuel filter design by Chrysler, the filter is one integral piece with fuel pressure regulator. So that means you have to pay for a filter and pressure regulator, and likely no aftermarket companies offer it, so you'll likely have to go to the Dealer and pay them $75 or more for a new fuel filter.
Of course, having said all that, I've never changed a Commander Fuel Filter, I'm guessing, if someone comes along and says they've done the job and I'm wrong, listen to them, NOT me.