Victorian? Try mid 20th century or later.

The US used steam engines in regular service till the mid-60s. They were used in Europe much later -- cheap coal, less oil available. I remember riding on regularly-scheduled steam trains in the early 90s in Poland with my family, as well as 1997 and 1998 when I was there alone.

Interestingly, the Brits used the kind of "Victorian" compartment cars with a door to each compartment till recently as well. I recall those from the mid to late 90s. Electric powered with a motor under each car, not steam.