There are a number of dress up games that double as anime character generators. There are also games with very good character customization too.
These are the dress up games and their creator’s blogs. Note that some will have naked bodies as a option.
The games made by kiss have good customization for the heroines, yugioh world tournament games too. but the popular ones are 3d custom girl and artificial academy which some people will use to make cg for their own games.