Chafing or heat rash?

It's either chafing or heat rash, but quite don't know the difference.
On my inside thighs, close to the privates, I've read patches. I've soaked my thighs in chilly water in the tub, used creams and even my fan when I can. And it's not exactly killing me, but it's not so pleasant either.

It sort of started the night before last, my inner thighs felt a little irritated, so I used the fan and it was more or less gone next day. BUT I had to work, and as I work with cleaning, I must wearing jeans. So by the end of the day, it was back. I had to work today as well, but for now I'm free, until Friday. So I want to do whatever I can to get rid of this before work calls again.

And as before, I used cream and walk around with as little as possible. I even bought a kin of "cooling-balm" that cools of the skin, but I'm not seeing any major difference.

Also, I sleep with next to nothing to keep. the temperature down, and when I'm free and at home, almost nude. If I must go out I wear a dress.

But anyway, would you say it's chafing or heat rash?
I might add, my jeans are not tight on me, they're actually a little loose. But since its summer and quite hot, I'm afraid the jeans are the cause of this anyway. But I haven't worn anything super tight.

I'm really eager to get rid of this, not just because it's a nuisance, but because I have to work for three weeks straight, four days per week. And that's no fun when this bullshit creeps up on you. 🙃

Thanks in advance, and please only serious answer. Please no silly answers like "I dunno", "lol", "whatever" etc. You'll only get a dislike for it anyways.
Chafing or heat rash?
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