If it all took place in your head with no physical stimulation, you have not crossed the line. You will go farther in your reboot without the fantasizing. Talking to her would be great. What you fantasize is not reality. It is a virtual objectified construct similar to P. You are in the process of moving away from PMO. Real interaction with real people will help your progress. Stay strong and enjoy your new life.
As long as you haven't done MO. Then no, it's not a relapse. But having said that, you've done the MO without the P. You can see it as progress fantasising without porn. It's healthier to fantasise over real girls/women. Continue your reboot by interacting with people in person. Over time, fantasising fades away with your brain fog clearing up.