Universal deformation rings need not be complete intersections

We answer a question of M. Flach by showing that there is a linear representation of a profinite group whose (unrestricted) universal deformation ring is not a complete intersection. We show that such examples arise in arithmetic in the following way. There are infinitely many real quadratic fields F for which there is a mod 2 representation of the Galois group of the maximal unramified extension of F whose universal deformation ring is not a complete intersection. Finally, we discuss bounds on the singularities of universal deformation rings of representations of finite groups in terms of the nilpotency of the associated defect groups. The first author was supported in part by NSF Grant DMS01-39737 and NSA Grant H98230-06-1-0021. The second author was supported in part by NSF Grants DMS00-70433 and DMS05-00106.