On the Cisco 2960-S, the default credentials are cisco/cisco. These get deleted after the first time you login to the switch. There shouldn't be any access control on the console, unless the express setup puts it in there.
Now, if you set the virtual terminal password, then it probably just set a password on the line vty block, this should let you in with Telnet without needing a username. Once you get in to the switch with telnet you can run sh run | inc username. This will tell you what the username is set as, and probably the password if you don't have the password-encryption service on.
If this fails to work, then you will have to do a password recovery on the switch.
Best Answer
Cisco maintains a page with links to the password recovery procedures for a lot of devices:
Password Recovery Procedures