https://psychology.ucsc.edu/undergraduate/cog-science-major/Cog%20Science%20Major%20Worksheet%2010.01.15.pdf says that you need 8 upper division courses for the major. 7 of these are psychology courses. “If you did not take 1 upper division interdisciplinary elective you will need to take an additional upper division Cognitive Psychology course.” It looks like there are several eligible lower division courses for this concentration; taking 1 extra upper division cognitive psychology course would need fewer courses than the CS prerequisites for the upper division CS/E/M courses.
If you transfer to another school, you may have to take additional courses to cover requirements that your UCSC courses are not exact equivalents to; this may additionally delay graduation (and possibly run into other credit unit limitations at those schools).