It was written by band members Lisa "Left Eye" Lopes and Tionne "T-Boz" Watkins along with Anita McLoud, Edmund "Eddie Hustle" Clement, and Kandi Burruss for the group's fourth studio album, 3D (2002).

"[3] In 2019, rapper Dashun "Eastwood" Woodard, who had ghost written and was featured in Lopes' verse on "Girl Talk," told Variety that her vocals were recorded three days before her passing.

He found that "Girl Talk" was a "lot more than a tribute to the memory of Lopes," with TLC showing "its younger contemporaries how to make some real music, marrying a bumpy, funky street jam with a wonderfully singable melody, chantlike hook [...] a vocal oozing with attitude, and a center-section rap from Left Eye.

"[5] In his review for parent album 3D, BBC Music editor Christian Hopwood remarked that "Quickie" and "Girl Talk" are "upfront party jams propelled by bare faced cheek and female power.

"[7] A music video for "Girl Talk" was directed by Dave Meyers and filmed in Atlanta, Georgia on October 21–23, 2002, six months after Lisa Lopes' death.

[8] The video depicts the two remaining members, Watkins and Thomas, in several locations that are supposed to take place in the Southern United States, in an African rain forest and in a metropolitan area in Japan, dancing and talking with other girls, representing how girls all over the world "are chatting amongst themselves about guys who are no good in the bedroom.