Here we have a project which allows you to make any penguin or name and dress it with any item you want! It does not actually create a Club Penguin account, however it does make the account on the screen and allows you to change any item, photo, pin, and username on the screen. Feel free to dress your penguin anyway you want by selecting the clothing item and the player card will automatically load your new penguin.
Note that the change button is only for the username. The items will refresh automatically on the Club Penguin player card.