Studies on wheel flatness and polygonal wear have demonstrated that wheel defects cause severe impact forces at the wheel–rail interfaces. This study investigated the dynamic contact mechanical behaviour of high–speed train transmission gears when subjected to wheel defects. First, a train-track coupling dynamics model was established, considering the localized contact characteristics of transmission gears. This model was developed using the slice method and the Hertz contact model, exploring the spatial coupling effects between the gear contact interface and the train–track interface. Subsequently, the dynamic model was employed to extract essential contact mechanical parameters of the transmission gear under the influence of wheel defects, including gear meshing load, gear contact stress, and sliding velocity. Furthermore, an analysis was conducted to uncover and elucidate the mechanism by which wheel flatness and polygonal wear impact the dynamic contact behaviour of the transmission gear. This study underscores the importance of considering wheel defects when assessing the contact fatigue and wear performance of high-speed train transmission gears.