The present invention addresses the problem of providing a cloth that is excellent in terms of not only flame retardancy but also stretchability, and also a textile product using the cloth. As a means for resolution, a composite yarn is obtained using a spun yarn that contains a flame-retardant fiber having a limiting oxygen index of 25 or more as measured in accordance with JIS K7201 and a conjugate fiber that is made of two components put together in a side-by-side manner or an eccentric sheath-core manner, and then a cloth is obtained using the composite yarn, in which the weight proportion of the flame-retardant fiber is 75 wt % or more based on the weight of the cloth, and the weight proportion of the conjugate fiber is within a range of 5 to 15 wt % based on the weight of the cloth.