Uh, heh-heh, I guess fluff is the wrong word.
I remove a supply of filters from the wrapper and bend one area of the stack of filters toward the middle, and press the crease of the base toward the center with my thumb. It creates a separation of the filters in that area which I spread or fan-out even more to stagger the alignment of the filters.
The misalignment is enough to slip in an edge of my thumb or a finger-tip and remove a single filter easily.
(whew!)…a technical writer I am not.